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This guy is the Bob Ross of credit cards

3 years ago, one card for $1500. Now, 4 cards with one being Amex Gold, the other 3 have a limit total of $37,000

Forget capital one. I been a loyal customer no increases l gave up l stick with other cards that gives me increases regularly

Capital One isn't just stingy, they will make things up to deny those increases.

Capital One issued me a Savor One Card with a $1,000 limit back in December 2021 but just recently increased my limit to $5,000 in October 2022. I just waited for a while & they increased mine without me asking. But it still took them a little longer than I expected 10 mths. to give me a increase thou.

I recently got approved for a new card with a much higher increase than what I had previously, and my original card (with a different bank) jumped my credit limit to equal the newer card. It seemed like they thought they were losing my business from lack of credit, so they increased it to promote me to use the card more

I got 3 limit increases yesterday. All soft pull on zero balance cards.

When I called in to WF in Dec 2023 It was a hard pull. However, I did both WF Autograph and Active cash at the same time, requesting 20% increase on each and was approved. So it was a 2-for-1 hard pull.

Apple almost tripled in 2 years from 4K to 11.5k however Amex and Cap one has barely risen in 3 years

I ask for an increase every 3 months on the dot. And as long as they don’t request a hard inquiry I do it. I went from a few thousand to over 100k in credit in about a year and a half. I always pay my bill before the post date so the credit cards don’t make money off of me but they don’t view me as a risk. And I started off small and then I would try to double the limit every 6 months.

I have never in my 50 year life asked for an increase! Always get way more than I need!

Remember new cards and inquiries do lower your FICO. However, 60-90 days of good payments will normally bring you back up!

Mannnn I’ve had the chase sapphire preferred for 3 years!!!!!paid off everything every month on time.. still no limit increase

Capital One said I don't use the card enough. So I applied for the same card again and got another card with $3000.00. Not making this up!

Apple credit card is awesome when it comes to credit limit increases! I'm at 13K

I will say I have 2 capital one cards and 1 I asked for a increase and got 100 extra the other they just randomly gave 5x the credit without asking

One data point to underline as part of this conversation is that adding authorized users to the account may also trigger credit line increases over time. With an increase in volume of transactions I've noticed banks are more ready to give out generous credit line increases for that particular account on their own, and on a more regular basis (provided that the primary account holder continues to pay on-time for those extra users as well of course).

i'm just gonna wait for increases at this point. my highest limit is $9k and i don't see myself using even 10% at any given time. i'll let it happen organically. what i will do, is ask for an APR reduction (.5% or 1%) or annual fee waiver.

When I was talking to the representative from Amex they mentioned after the first limit increase after 60 days, you are qualified to apply for another credit line increase after 3 days after the first increase. Can't post screen shots here.

My creditors don't increase it automatically, but they do ask if I'd like to increase it.

Hi, in my experience discover IT, will accept a 3 month interval between credit limit increases. Currently at $26,000 limit.

capital one gave me a raise from 300 to 600 randomly but then when I asked for another one some months later they just denied me lol

Maybe Wells Fargo has changed their policy since this video was released. Maybe they are treating me differently from others. I called to ask for a limit increase... they said they'd be happy to submit my request, but they had no way of knowing if they would do a soft pull or a hard pull. I told them, Thanks, but No Thanks.

I gave up doing business with banks for Lent last year and haven't gone back since. Can you say Credit Union. The best thing since sliced bread. Pardon the pun

citi bank has a habit of decreasing your line of credit with their cards if you have a large balance with another credit card company regardless of paying hundreds more then the minimum payment per card and even have a large income over 100k USD. this just happened to me with my citi double cash card. I have 100% ontime payments and Zero late payments, Zero collections but a few cards with 80% credit utilization, even though those credit card companies are happy with me because of the large payments I make. apparently I was a high risk 😅. and yes capital One is pretty greedy with their credit card limits lol

My capital one card has been stuck at 500 for 2yrs 🤣😂..... my citi cards increased by thousands!!! Hell, even my target card increased over the years!

I thank you for all you great advice ADAM👍

My scores were 825 & 827 I applied for two cards my scores were docked. Then I was docked again for using the cards, spending barely 10% of my credit limit. Take note I have 100% pay in full on-time history. In May I paid off my mortgage and was docked for closing an account. !!!! The credits score business is BULL SHIT!!!

im glad you did this because I was trying to figure out how and why I was being denied

Citi will increase without asking- but if you ask less than 6 months apart you will be denied

Chase may count CLIs under 5/24 also

Capital One stinks for increases also

Thank you for making this video. Helped convince me to pull the trigger and got approved today. I plan to replace the Amex Gold with the Premiere if I don't get a retention offer.

When applying for a new card, check for sign.up bonuses if available.

Capitol One is stingy. Good luck asking for an increase.

I never ask, they just bump up my limit by $5000 every year to 1 1-2 years

everything sounds good about if they denied increase your credit limit but when you want to get a new credit card the bank check your credit and see too many hard inquire and once again they denied a new credit

A treasure trove of information, thanks for another great video

Great info especially on the inquiries.

Another great 👍🏾 vid, thanks 🙏🏾 for the info

Love these videos.

My capital one card went from $750 to 3250 in three months. When you ask for and increase just lie and say you make 80k or more a year. I learned this from a Indian coworker and it worked. I love my capital one card.

Excellent tips, thank you so much!

Thanks for the insights on the popular companies in this video (and also the uncommon credit card reviews too).

Every time you ask for a credit increase... that’s a hard pull on your credit. Not good to have many of these on your file.

I don’t ask for credit limit increase they always offer me n if I know I need it then I take it.

I keep getting denied. Nobody at capital one seems to know the reason.

Credit one has only given me one in 2 years this is now my drawer card

This is the one thing that is killing me. Most of my cards have lower limits. I’ve had 2 raise my limit by approx 50%. The one I use most to earn cash back has not raised my limit. I keep having to make multiple payments to avoid upping my utilization.

NEW SUBBIE ALERT 🚨. Love your content!!

Barclays may leave a soft pull on your account if they reject you automatically. You can also call them if rejected and request a review, at which point they’ll do the hard pull to reconsider. This has happened to me in the past.

What do you put on credit app if you are retired you said never list that

Capital one is giving heavy increases right now.. really big.. I always maxed out the card and always paid it n full before the statement date..

These videos are great and helpful! Thank you

If for example a person has a credit limit of $1,000, and they use the full cards limit each month but make payments weekly and pay the card off in full each month, how will that impact credit score and possible increases in credit? In other words, if a person uses their credit card like a debit card each month paying every transaction in full each week, can they still get an organic credit increase? Sorry, hope my question is making sense 😂

Very informative. Thank you.

Do I want to ask for an increase if it's gonna be a hard pull. Especially if u have 3 cards that would be 3 hard pulls and that wouldn't be good correct?

its best to wait for the credit card to offer u a CREDIT LINE INCREASE

Ask for an increase every 3 months not 6 months as long as you are paying off youre balance on time every month. For most credit cards

Great info needed thx

Im scared to ask for an increase with capital one only because i was in the hole with them early last yr. 🤔

I've been asked to do an income update by my bank , will that help to get a credit line increase?

The guy is the boss

Citi is a good card

I'll let Chase organically give me increases. If they ignore me after 50k spend, I'll downgrade the card while applying for AMEX Gold or Plat. Just downgrade the stingy card and redirect to a more open, growth oriented one. The downgraded card can be just for cashback.

THANK YOU SO MUCH!!

Great information! Thank you for sharing!

Last time I asked capital one I got $100 lol 4 months later they boosted it another 2k

Thank you so much for sharing this information

Turns out that 6 month rule you’ve brought up is usually how long a STUDENT Credit Card automatically increases their credit limit

I have $10,000 dollar cards and Capital One wont give more then $750

Good stuff. thank you

Time stamps would have helped the video a bunch

Great video. Thanks.

Thanks ..good to know information...

Dang it, this the second time today somebody mentioned Bob Ross lol

I just got Approve for credit card login! ♥️ ♥️

I just got upgraded from a capital one card with no rewards and no annual fees to a cap one quicksilver with 1.5 cash back, but stated I was going to have the same limit. A year ago I went from in debt 2k with them to current all payments made on time for a year. Is that a good upgrade? I would have rather had a cl increase

Hi, I got approved on one of my card without a hard inquiry. Should I try to increase my other card with a different bank?

Brilliant!

Good advice

Yet another awesome and informative vid 👌 you the best!

Great video. This is the information I was searching for.

Asking for a credit limit increase every 3 months is fine.

Adam I don’t ask for credit incase because of the hit just like the inquiries have too many

Awesome information

Chase slate I am at 500 balance is 10 dollars . I asked for a credit line increase and got refused smh 🤦🏿‍♂️ hard full credit score like 670.

Nice. Super informative.

About requesting a credit line increase with American Express, can that be done with a Navy Federal American Express card or it can only be done with a card that was given by American Express directly?

I do have a question, looking to try and apply for a personal line a credit, closing on your forever home soon, wanna use the strategic credit line to pay it off early, but have never done it before! Right now I'm at a 787 after the hard pull for the mortgage! Can you provide some guidance as to the next step or perhaps how soon should persuit this! We will have about 14k equity going in in the house, but would rather use a personal line of credit instead of a Helloc! Can I get your thoughts?

Adam you spoke about credit incase with Amex does that apply the Gold card too ? I know Amex has a no limit To some what Watch your video

why does citi never give credit line increase no matter what you do..

Is it beneficial to pay the amount you charged that month in your credit card?

I should've watched this video before and went and asked for credit limit increase on all of my cards🤦🏾😭

Is it bad to have 3 different credit cards by the same bank !?

I have Amex Delta Gold. I could not find a link on the site? Or am i not looking for it correctly. Any suggestions?

I have 6 credit cards. The 3 lowest are limits of 300 dollars. I can pay them off in about a month. Should I do that then cancel them in hope of a better oppurtunity or keep them and basically not use them? Just wondering. Oh, I`ve only had them about 4-6 months

What i do with chase I move credit limit between cards.

What about Apple credit card