Should I request to increase credit limit time to time??

[Anonymous]

Is it a good idea to request a higher credit limit on my credit cards every year or so?

I have 6 cards, three with big limits ($30k, $22k, $15k) and 3 with low limits, mostly capital one cards I opened when I was 18.  Limits are $1k, $1k and $2500 and have been the same since I opened them...about 10 years ago.

I should add I don't need the additional credit limit, my cards run $5k-$10k a month and I pay them off, but seeing it it'll increase my score by using less percentage of my available credit

[mikesonthemend]

Capital 1 provides increases with a soft pull. No more than 1 increase per 6 month per card is stated rule but there are exceptions.

[Anonymous]

When you request one with Capital one if you do it on a computer it gives you an option to request an amount, if you do it on the mobile app it doesn't give you the option.

[disney2]

I thought Cap 1 was a hard pull on all 3.  If it's a soft pull, I should be asking for increases.

[Anonymous]

Cap1 does HP’s when you apply for a card, not for increases.

[Anonymous]

Outside of Chase - I have not had to ask for a CLI -, they just gave it automatically. some issuers frown upon it.