Secret Hack! Capital One Credit Card Limit Increase! No Hard Inquiry!

[@MikeTheCreditGuy]

➡️ Set up Free Credit Analysis and Mike will let you know what program you Qualify for. ➡️my.limitlessculturegroup.com/signup-request 🚨⭐️Get Dispute Beast Credit Repair Software Here Today ⭐️🚨 ➡️ DisputeBeast.com/mike ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨 ➡️secure.rspcdn.com/xprr/red/PID/11958/SID/KZbin 🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

[@JuggaloNY]

@MikeTheCreditGuy So never select self-employed or unemployed . Ok copy 👍👌 BUT What happens if you select "OTHER"? Is it detrimental? Via, Capital One application for CC💳, P.S. Ez to see, Mike knows about what he's speaking on. Leave you with a statistic 25% of Americans never mess with credit.

[@Mim37337]

You’re 100% correct! I have a charge off, judgement, from a capital one credit card I had! No mean comment from anyone, my husband was killed by a drunk driver a few years ago, I couldn’t pay it, I was barely making it, moral of the story, capital one has given me a 2nd chance, I currently have three capital one credit cards. All unsecured with 3k limit in all of them, I do not carry balances, Iove all your videos Mike, Keep up the good work

[@MikeTheCreditGuy]

I’m sorry to hear that about your husband, prayers 🙏🏽. This is why I tell people all the time. You never know what anyone has been through and you should never pass judgement on anyone’s situation. Congrats on all your hard work and keep up the hard work. Also thank you so much for your support. It means the world to me 🙏🏽

[@shawn8491]

Honey that’s nothing compared to what my report had on it for over a decade. You should have seen it, what a mess I made lol. I’ve been rebuilding over the last three years. Been watching Mike for a few months now and I’m over 700 bc of his videos! I am also sad for the loss of your husband. God has blessed you though and he will continue to do so as he did and does with me.

[@MikeTheCreditGuy]

@@shawn8491Appreciate those encouraging words for our community fam 🫶🏽

[@shawn8491]

@@MikeTheCreditGuyyou bet Mike. Everyone goes through hard times, even bullies. So let them pick on me bc I like to pick back 😂😂😂

[@sexiarn1]

I had 3 credit cards with cap one and an auto loan.. I defaulted on all of them including the auto loan.. cap one kept the accounts with them no outside collection agency … I’m almost done with the last credo card… and I will continue with the relationship… I have my discover card which is in the cap one family.. back in the day they were the original subprime lender now look at them

[@TwitX2007]

Not bad advice.👍 capital one will also just give you increases without asking. I’ve been given 4 and never asked for an increase.

[@MikeTheCreditGuy]

Absolutely, that’s because you’re using your credit card properly. Appreciate you fam 🙏🏽

[@daciasdiy1861]

That’s great ! I have a discover and my next card will be a capital one .

[@daciasdiy1861]

Someone just said to get a furniture store card , but I’m confused i mean furniture is expensive . Ppl don’t usually pay off a $4k couch in one month which is the purpose of the furniture card in the first place . Buying furniture is like buying a car . Do they penalize you the same as they would for using the higher limit if the furniture card ?

[@digitaldividends3243]

I had my card for so long and still haven’t had a limit increase since I had a 200$ increase years ago.

[@MrManfred951]

⁠@@daciasdiy1861 that’s when/where you pay attention to the details of the finance/card you’re applying for. If you’re able get an interest free offer (6months or a year for example)…you pretty much have that time to pay off that balance before they start penalizing you and charging you interest. The more credit, the better. Just stay on top of your bills/usage and you’ll be fine. 😊

[@miyajones]

This is so true. I have a credit card that had a $500 credit limit and for the longest the card was maxed out, but I made all my payments on time. Well around October, I started paying off my card and just using that card so I could get the points. In May I received a $1500 increase.

[@Shontise_Shonie]

🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾

[@GSAlchemy]

No lies told. I had a charge off by them years ago due to the death of my spouse while pregnant. So much went to hell then. They gave me a second chance, and I also now have their checking account and get paid early from my direct deposit. I love your channel, so much truth and clarity✨♥️

[@MikeTheCreditGuy]

Thank you so much for your support fam 🫶🏽

[@misskia3966]

Yes that early direct deposit is lovely!!!

[@bettyraynor-davis9]

I agree with you. I have a capital one credit card. I have no problems. Nobody should have problems if you pay your bill. I pay on time and pay regularly. That's the key. If you want credit then you need to honor the credit terms.

[@QueenSorrow5150]

I started with one. It took some time and look at the ways he used to get the 4 I do have. The number one way is by paying off in full.

[@tamieluv]

Capital One is good for international travel. No foreign transaction fees helps alot when traveling overseas.

[@fxcheux]

I never asked for a capital one limit and they've increased my cards 3 times automatically. I used my cards alot (almost max) but I always pay them off in full every month. (I'm a uni student, they've been good to me thus far)

[@notsobaddie111]

I never had a credit card before. This is helpful information. My parents told me to stay away from credit cards because of having to pay it back. Meanwhile, my bank is a credit union. I only have debit card. Never a credit card. My credit score is horrible 🤔

[@MikeTheCreditGuy]

Let me make a video for all the young people out there. It’s a very confusing world but parents that don’t understand how credit cards work usually scare their kids into thinking credit cards are bad instead of teaching them how to use them properly and teaching younger adults how to stay out of debt. That is the key 💯

[@Ian-e2d4z]

Try to get a credit card through your credit union, They often have lower AP. Rs almost never see annual fees, and if you have had the account for a good long time in a good relation with the credit union often give you a higher credit limit! *** By no means am I an expert, I'm just giving you my advice for things I have observed

[@ziyanedits_]

Even as a retired IT professional, I find Adrian Ruthnik’s work highly informative and straightforward. Thank you for your advice and support.

[@stevenbell4066]

So I had my capital one account since January, and got upgraded from a platinum to a quicksilver back in August. I just applied for a limit increase for the first time just a few minutes ago by doing what you said. My limit went from 1000 to 4500 which is 1500 more than I asked for.

[@BetoOro62]

Some people mix up credit one with capital one 😂😂😂😂

[@MikeTheCreditGuy]

@@BetoOro62 no lies told here 😂

[@prpapy07]

I did that after getting a capital one card than got a offer form credit one thinking it was capital one and was charged like $80 off the bat for getting the card. Never again

[@MikeTheCreditGuy]

@@prpapy07It happens more than you think.

[@Fall2Caine]

I have both and almost identical cards too, ive on occasion gone to use my Capital One card and accidentally used my Credit One card instead.

[@armandsavoia9394]

Thanks!

[@spence3277]

I can attest to them helping after you messed up I had two cards with them and they went into collections after I went to boot camp and now I’m rebuilding from a 700 score and they gave me the same cards

[@kennethmcdonald4411]

Love your knowledge you provide. Thank you!

[@CDZ1414]

They have been good to me. Better than my main bank

[@joshuapaul9898]

I use my card nonstop. Every month paid in full it’s been since 2022 and they will not raising the limit I’ve never missed the payment. I maxed the court out both of them every month because they’re small and I pay it before it’s ever reported and when it does get reported, it’s only like 10 to 12% that I let get reported and then I pay it off after, what you’re saying does not apply to everyone

[@afdreamteam5930]

Hey Mike, thanks for your videos. They gave me an inquiry just for a pre approval. 3 months before I get my first credit card with them. What a should do ???

[@MikeTheCreditGuy]

Maybe you accepted the preapproval. There is usually no hard inquiry for a preapproval unless you accept the offer. Is that what happened? It can be very confusing in the verbiage when they tell you also.

[@xxyz321]

Dang Mike, you’re right! I requested an increase and I was denied because capital one said I wasn’t using enough of the credit that I was currently issued.

[@MikeNickell]

I went from a secured platinum 2 years ago to a venture x last week following a similar strategy

[@thedude2897]

I don't pick self employed if asked but it is on my credit report. I've never had any issues getting credit cards.

[@vickirichards5186]

Yep, raised mine 1,000.00 without asking

[@jeremytaylor4576]

Actually having a zero balance hurts you. My credit went down every time I went from having a balance to paying it off and then reporting zero balance. For some reason cc’s consider you a risk if you maintain a zero balance. You want to maintain a balance to get the most positive affect on your credit between 6%-30% of the limit.

[@JayantaSaikia-y5r]

It's amazing what you do, Adrian Ruthnik. We need more people with your skills and good intentions. Thank you for sharing, Jon.

[@sergioontiveros4984]

Awesome i got an instant increase from $200 to $1700, question though i asked for a $1000 target line and got $1700, i obviously took it cause you never know, but it also gave me to option to choose if i wanted less, but should i ever choose less than what they offer or is it always best to just take what they give and run.

[@Virtuous1Queen]

Absolutely informative! Watched this vid 2x’s thanks for the valuable info!

[@MikeTheCreditGuy]

You’re welcome and thank you also fam 🫶🏽

[@armandsavoia9394]

You are the man you are 100% right on the money I've been doing this before you told me about this but now that you told me this I'm going to do this even more because now I'll go to ask for the credit limit increase but I only asked the increase when I know my pay is going up even if my pay is not going up thank you so much brother

[@worldwatcherztravelchannel]

I like you Mike your the only person I seen who actually just give you the information

[@MikeTheCreditGuy]

Appreciate you fam 🫶🏽

[@oklahomafreedom5536]

Capital one also likes social security people. They enjoy people with revolving income They know they will get a nice monthly payment from you. They told me that!❤

[@MikeTheCreditGuy]

It’s that steady income that matters to them the most or any bank. Appreciate you fam 🫶🏽

[@Christeenia]

I always thought that you have to continue to use the card. Thanks for the confirmation.

[@s.rameshs.ramesh8555]

Big thanks, Adrian Ruthnik, for your assistance. Although the steps were challenging, your guidance was invaluable. Thank you, Jon.

[@Bangpaulxu]

Thank you for this video! I finally got my capital one card to get a credit increase!!!!

[@MikeTheCreditGuy]

Fantastic! Big congrats and thank you fam 🙏🏽

[@dbbias1416]

Great video very helpful. Thank you👍

[@TheOfficialStaxx]

This is basically exactly what I did and got an increase from 300 to 800

[@makhanram748]

My account was hacked, and despite following the video's method, I faced difficulties. Thank you, Adrian Ruthnik. Seeing your name in the comments speaks volumes about your good work.

[@___1980.]

Your advice is Gold Mike! Highly appreciate you as a new subscriber from a few videos back, just got the Capital One Secured card and paid of my prior balance with the Savor Card, score went up 43 points and then now dropped 12, hopefully I can use your paying balance trick 3-4 times a month and get my score to 750 in 6 months … Can you just call to increase the limit or do you have to use the app??? Thanks

[@MikeTheCreditGuy]

Never call, it will cause a hard Inquiry. Always use the app for no hard inquiry.

[@___1980.]

@@MikeTheCreditGuy I see, thank you or perhaps they’ll just increase it automatically…..?

[@TwitX2007]

You don’t necessarily have to pay the full balance off every month- paying on time and more than the minimum is the biggest factor

[@MikeTheCreditGuy]

@@TwitX2007Why would you want to tell anyone to carry a balance and pay interest. That is hands down the worst advice! We teach everyone on our channel to pay off in full every month and not carry a balance and not get into debt.

[@carl2724]

You are very good However it is not worth it for a lousy $300 limit

[@CS-de4et]

Thanks Mike for your educational videos.

[@MikeTheCreditGuy]

You’re welcome and thank you also fam 🫶🏽

[@kimberlyford1854]

Thanks Mike I followed you step by step and got that increase with Capital one. Your Awesome

[@MikeTheCreditGuy]

Fantastic! Big congrats fam 💯

[@clausellray3949]

As always great video w/a lot of sauce thanks for this sharing keep that content coming

[@MikeTheCreditGuy]

You’re welcome fam and I truly appreciate you 🙏🏽

[@Isee333]

Can i buy hot wings with capital one? ​@@MikeTheCreditGuy

[@Peacefulman76]

What box should I check off when applying for a credit limit increase if I am not employed and a student but receive social security and a death benefit fund which are lifetime awards?

[@xKami102x]

I have a Capital One card, where in the Capital One app can you view your closing statement date? Thank you for this info!

[@traciescott1871]

Don't do Credit One or Care Credit!🚫

[@odilioheri1732]

Why

[@traciescott1871]

@@odilioheri1732 Unlawful business practices and/ or predatory lending.

[@slgcorporation]

True. I got my first Cc with cap one back in 2010 and got a vihicle purchase loan in 2016

[@user-uc5iu4rw4j]

Great video for real. So what your saying is that asking for a credit line increase through capital one is a soft pull? My Kohls card is through them.......appreciate you in advance ✊🏾

[@calvintynes1879]

Does this work for the Canadian version of Capital One card? We don’t have an option to request limit increase.

[@jel386]

When asking for an increase they ask “what’s the projected monthly use of the card” what answer is best?

[@MikeTheCreditGuy]

I covered that in the video fam

[@jel386]

Just rewatched 😅

[@MR.JackHOU]

This is true but it does take time 😕 that's just the nature of the business once you get rolling it will all work out. Give capital one a try

[@itzyaboybugz]

in 2015 i had 2 cap one cards for 300 a piece, i asked for credit line increase, went up to 6600. i was young and stupid and blew them. now... its 2024 and im stuck with a 300 credit line making nearly 6 figures currently and they wont raise my limit lol. I make $300 in 75% of my day lol

[@jimbernard71]

He knows his credit knowledge!!!

[@ShivaMahakal-qr5rk]

Your work shows the kind of person you are-efficient, organized, and result-oriented. Well done, Adrian Ruthnik. You are great at what you do. I appreciate your efforts and dedication. May you continue to show your worth and skills like this in the future.

[@jayb3664]

Hey, I’ve attempted to establish cc’s with capital one 3x’s and each time I’m approved they close my account by or before the time I receive my card. When I ask why they state that it’s due to suspect activity that goes against their guidelines, nothing specific though. Any insight on what I should do?

[@DavidDonahue-v7t]

Thanks very much big man, I did exactly what you said to do and capital one raise my credit limit $1500 (thanks to you)I subscribe to your channel obviously! can't wait to hear what else you got to say!! ha ha!..thanks again!.. Dave D

[@MikeTheCreditGuy]

You’re welcome and big congrats and appreciate your support fam 🙏🏽

[@PurpleDivaMika]

Should I refinance my car with capitol one, or just the regular bank my score is good.

[@cujillaz]

They don’t do refinancing for autos. I tried.

[@GitanjaliUpadhye]

Thank you, Adrian Ruthnik, for being approachable and open-minded. Your friendly demeanor and willingness to listen are a constant source of motivation. Your support and guidance during my account issue were invaluable. Your assistance played a crucial role in resolving the matter. I am incredibly grateful.

[@mathiso01]

I’m going to use this strategy, set it up today.

[@MikeTheCreditGuy]

🙌🏽

[@debbiesherrill7228]

Mike, when filling out a application for Capital One or any credit card, if I'm retired, what would I put down for employment? Would they accept me with SS income?

[@MikeTheCreditGuy]

Yes income is income and choose retired.

[@PandaFPV]

My home is paid off and I only pay property taxes, should I still put $100 for monthly rent payments?

[@cedrick6605]

Could make a video about closing a credit card you don't use and the pros and cons and if it affects your score

[@intothereal5670]

I just realized while watching the video that asking for credit limit increases doesn’t harm credit report so the video is title is misleading

[@karenvictor2355]

Golden info. Thank you so much😊!!

[@MikeTheCreditGuy]

you're welcome and thank you fam 💯

[@Randomdudeonyouright]

Mines at 10k just dont put any big numbers on it if you cant pay it back quick. They wont let you pay it off easily.

[@adamaguillon8483]

Hey Mike if I just got a credit increase today with capital one. Can I ask for a credit increase for my bank of America credit in the same day or is it still the same and have to wait 6 months?

[@cgo8026]

The way you pay it off fast means you don't need to keep card utilization under 30%

[@yukidorkins986]

So I have these 2 capital one cards they were bought by capital one with low credit limit . I have both of those cards for 17 years that’s why I didn’t cancel them and they both have annual fees but each time I request a credit limit increase , they are always denied so I guess they are “bucketed” so at this point what should I do keep using both cards or ?

[@jun.oshima]

Well, truth be told I don't use C1 quicksilver(1st cc card w. $500CL) as I have have other card with better earning structure/ecosystem. Why would I need to raise CL with C1 at this point🤔?

[@MikeTheCreditGuy]

You don’t have to but I would also. Remember raising the credit limit raises your overall available credit. More available credit can also raise your credit score and every time you apply for credit. They will see high limit credit cards all over your credit profile and be incentivized to give you a higher limit. Hope this helps fam 🙏🏽

[@universal3025]

This is incorrect. You do not want to have a zero balance on your card because your score won’t go up because the credit agencies will see that you’re not even using the card at all and will think it’s inactive and sometimes may even close it. You have to leave something in there, at least a 10% utilization rate at the closing date then after that day, you pay the bill in full on or before the due date in order to avoid paying any interest. Those two days, the closing date and the due date are very important to know ..

[@ZakaiTheGuy]

True keep getting declined for “recent credit line used to low” Its bs and capital one.

[@jackfrost99]

You are 100% correct. I have a credit score of 805 and Capital One denied an increase. They told me that I don't need an increase because it reports to the credit bureaus every month as a $0 balance. Always have less than 30% of credit card utilization reporting to the credit bureaus every month if you're looking for a credit increase.

[@Modern9tipstricks]

They will see the card is active, zero balance with usage is good for all 3 credit bureaus.

[@1kvyne213]

He said capitol one specifically wants a zero balance.

[@moondar8660]

What I see them doing is looking at total utilization for all cards combined...

[@GodsMan500]

Doesn’t it set off alarms if you put $100 as your rent?

[@MikeTheCreditGuy]

Absolutely not, since you can live at home with friends or family, it won't let me put ZERO or I would.

[@GodsMan500]

@@MikeTheCreditGuy Thanks, Mike. One more question: I've been putting a certain amount down for years (actually a low amount for this area. I have a good relationship with my landlord). Would a sudden decrease from my historically-reported 1200 be an issue?

[@MikeTheCreditGuy]

@@GodsMan500nope it really doesn’t matter.

[@GodsMan500]

@@MikeTheCreditGuy Thanks much. I greatly appreciate your taking the time to respond.

[@nothinghere6848]

yes, i have a personal card but I want a business card and it's hard to get a biz account.

[@Nuf_Nivah]

I pay as much that will let me sometimes I have a positive balance

[@erocalypse21]

Where do you look to find where your statement ends

[@PrinceKumar-m3m2t]

Your time and effort in this excellent work are deeply appreciated. I had difficulties with the selfie due to a captcha error, but I will ensure the world knows about your good deeds. Thank you, Adrian Ruthnik.

[@KingKhaos]

Great video. Worked just as you said.

[@MikeTheCreditGuy]

Glad it helped fam!

[@cesar270686]

clear simple and to the point great video !!!!!!!

[@juanvelez1352]

So Mike I have a question what if you put in for a request and they respond with saying that they’ll give you an answer in 2-3 business days. Is that their way of saying that you’ve been denied?

[@Michael-qs1yd]

Hey great video! If you have a low credit score, do applying for a secured Capital One credit card count as a hard inquiry?

[@MikeTheCreditGuy]

Yes it does. Anytime you apply for any type of credit. It will get you a hard inquiry.

[@AB-yn1cb]

Yes, but you can actually prequalify but if approved, you will receive hard inquiry.

[@FleeezusChrist]

Great vid this was super helpful thanks 🙏

[@DemonSlayer9166]

In one of your other videos I watched you said it doesn’t matter if you don’t use the money or not … hmmm…

[@vanivani9200]

As a Maldivian living in the UK, I am proud to see efforts to combat scammers. Keep up the excellent work, Adrian Ruthnik.

[@LibraAllDaynNight]

Do you shouldn’t have automatic withdrawal payments???

[@MikeTheCreditGuy]

@@LibraAllDaynNight never said that. You should always have an automatic payment set up to ensure you never miss a minimum payment due every month.

[@comelonesaventureros]

😮😮😮 ty I did that thanks to you when I had 300 dlls than they gave me 500 dlls now I'm at 3000 😮I can't use all that and pay it full what do you recommend?

[@desertrose128]

Is Barclays good?

[@lostatsurf7351]

I shredded all all my 3 credit cards…simple as that

[@MikeTheCreditGuy]

Tell us how you really feel 😂

[@lostatsurf7351]

@@MikeTheCreditGuy feel like the new king of the jungle, roaming around free and hunting with confidence.

[@rollinwitzig7789]

Hey Mike What would be considered the closing date: April 17 2024 - May 17 2024 Or Due date June 11 2024 ?

[@MikeTheCreditGuy]

@@rollinwitzig7789 Did I not cover this is that video fam?

[@rollinwitzig7789]

@@MikeTheCreditGuy I get it

[@Trav_W]

If someone is an independent contractor through being an Uber driver or real estate agent, what should they use instead of self employed ?

[@creativ3vision]

Employed! Job description- Driver/Real Estate Agent (or simply salesman.)

[@ImIm-ns4xq]

What if you have self employed on your credit report does that mess your profile up

[@RealGTZ]

After hearing everything from this guy i think I'll just open a new credit card or wait until they give me a credit increase just because i always put self-employed since i do landscaping

[@kenrodrodgers3508]

I already have an auto loan with them. So cards won’t work with me. They won’t let me open a credit card at all lol 😅

[@JayTheGreat8]

Sorry if absurd question I’m new to the credit game. But what necessarily happens to “utilization” when you’re spending $250 multiple times? Is it fluctuating each time you spend it? Will it report high on credit l?

[@MikeTheCreditGuy]

Great Question! Remember what you use doesn’t matter to utilization. It’s what reports to utilization is what matters. You truly control what reports by making sure to not have a balance when your statement closing date hits and then make sure to not use the card for up to 7 days so it reports zero balance to the credit reporting agencies. Hope this helps fam 🙌🏽

[@grindtv9140]

Its funny cause I feel all the negative is true as i have experienced it as a customer

[@MikeTheCreditGuy]

🥹

[@BigGuyCustoms]

Mike, can you make a video about the corporate transparency act?

[@shawnaw601]

Love cap one!

[@MikeTheCreditGuy]

Ain’t nothing wrong with that fam 🫶🏽

[@SmokinShaunTv]

They gave me 3,500 from 500 out of no where.

[@jeanate7912]

Hi, new subscriber here! Great info, thanks for sharing!

[@CurrentGenGamesWithNick]

So what discovered my closing date is the 11th of each month but they don't report it to the 16th so don't use it between the 11th and the 16th?

[@OMGCRUISES]

so we not staying at 10% utilization anymore boss?

[@L.j.p-y6o]

I will always be grateful for your support, Adrian Ruthnik. Thank you for your dedication. You are indeed a blessing.

[@SatyamKumar-ui2fo]

As a Maldivian living in the UK, I despise these scammers. It warms my heart to see efforts like Adrian Ruthnik's. Keep up the excellent work.

[@markferris3674]

I just buy items and return it and they increased my limit to 5k