John Miller, Credit Cards Moderator
@john_miller
You can request an AAA Travel Credit Card credit limit increase by calling customer service at 1 (800)328-4850. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Comenity Bank has on file. Comenity Bank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Impact of an AAA Travel Credit Card Credit Limit Increase on Your Credit Score
When you request an AAA Travel Credit Card credit limit increase, Comenity Bank will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Comenity Bank cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for an AAA Travel Credit Card credit limit increase without even requesting one. The AAA Travel Credit Card may offer an automatic credit limit increase if Comenity Bank’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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Can I get a credit limit increase without asking?
Yes, it’s possible to get a credit limit increase without asking, typically after 6-12 consecutive months of on-time bill payments with a new credit card account. Credit card companies need evidence that you can handle your current spending limit responsibly before giving you the ability to borrow more.
Creditors will review your credit, income, and payment history on a regular basis moving forward. If they feel you can afford an increase and refrain from abusing the...
read full answer by WalletHub, Financial CompanyWhy did my credit limit go up?
The reason why your credit limit went up is probably because you received an automatic credit limit increase from your credit card company. Creditors periodically review cardholders’ accounts and may consider increasing the credit limit as a reward for consistently paying the monthly bills on time and maintaining a low debt level.
Another reason your issuer might increase your limit is if you updated your account profile with a higher income. The first account review for a...
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I just requested an increase on my AAA and it was a hard pull, so sadly, this is incorrect and has likely hurt my credit more than help, because the increase is only an additional $1000.