Will my credit history hurt if I as for a credit limit raise?

The question is flat out there.. If I ask Capital One if I can possibly get a credit limit raise, would that hurt my credit history and score? If it does, then forget it. If it doesn't, I'd like to try.|||It will hurt your credit score... capital one doesn't report your credit limit, so you don't get the benefit of the debt to available credit ratio that people are talking about, but you do get the hit of them checking your credit history to increase the limit.





on your credit report, it only shows your credit limit as being your highest balance on your capital one credit card. so if you only spend $100, it will appear that your credit limit is $100.





EDIT: Capital One and American Express don't report credit limits, so your highest balance is used instead.|||There are two ways it would lower your score:





If your request gets rejected, or


if they grant your request and then you spend more on your card





If they grant your request, but you decide NOT to spend any more on the card, this will help raise your credit score! When you have a large difference between your limit and your balance, your score will be better. When you have a small difference between these two, it will be lower.|||"Being rejected hurts your score" is an urban legend that keeps coming up. It makes no sense.





If you ask and don't get it, it won't matter.





If you ask and get it, it will improve your score because you are managing an account with a higher limit and because your used-to-available ratio will decrease. (This is assuming that you act responsibly and don't go nuts.)|||If you get rejected, yes, it will lower your score. During these times of economic crisis, it would be a huge mistake to ask for a credit limit increase (4 major banks have gone bankrupt now?), in my opinion, due to the high risk of being rejected.|||Why do you think it would hurt your credit?





As long as you can pay your credit card bill off every month on time, you are fine. If you can;t pay it off entirely every month don't ask for a credit line increase...because you'll get behind the pay lots of fees.|||No it will not. Captial one is the great credit company. Just


make sure that you make your payments above what is


ask on the statement.