Where can I check my Bank of America credit card balance?

Your Bank of America credit card limit will vary based on your creditworthiness. The lowest credit limit Bank of America would approve a card for is $200, which is the minimum deposit requirement for the BankAmericard® Secured Credit Card. Other Bank of America credit limits could start out much higher. The Bank of America® Premium Rewards® credit card, for instance, offers a $1,500 minimum credit limit for approved applicants.… read full answer

Generally, cardholders with at least good credit have a better chance at receiving higher credit limits. Your actual credit limit will be determined based on your creditworthiness and income, among other factors. The higher your credit score is, and the more income you have relative to your debt, the higher you can expect your Bank of America credit limit to be.

Here’s how you can get a Bank of America credit limit increase:

• Get an automatic credit limit increase. If you're unsatisfied with your initial Bank of America credit card limit, you may get a higher one later on. Bank of America periodically reviews accounts for an automatic credit limit increase. These reviews typically occur after you've had the card for at least six months. Automatic increases are not guaranteed, however. How much of an increase you'd receive depends on your payment history, existing debt, and other factors.
• Request a credit limit increase. You can also request a Bank of America credit limit increase through your online account or by calling the number on the back of your card. Your chances of getting a credit limit increase will be best if you've paid your credit card bills on time and in full during the last six months.It's also a good idea to update your income information, especially if it has increased since you first received your card.

Ultimately, it is worth noting that when you request a credit limit increase, Bank of America may ask to do a hard pull of your credit. This may cause your score to drop a bit in the short term. By comparison, an automatic credit limit increase will only result in a soft pull, which will have no effect on your credit score.

The easiest way you can make a Bank of America credit card payment is either online or through the mobile app. Alternatively, you can make a payment over the phone at (800) 236-6497, by mail or at a branch. Bank of America does allow cardholders to set up automatic payments, too.… read full answer

Ways to Make a Bank of America Credit Card Payment

• Online: Log in to your online account and click on “Bill Pay.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: To make a payment through the Bank of America mobile app, log in to your account and select your card, then tap “Make a payment.”
• Over the phone: Call (800) 236-6497 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  
  Consumer card payments
  PO Box 15019
  Wilmington, DE 19850-5019.
  
  Overnight payment address:
  
  Bank of America
  Attn: Payment Processing
  DE5-023-03-02
  900 Samoset Drive
  Newark, DE 19713
  
  Write your credit card number on the check, too.
• At a branch: You can make a payment at any Bank of America branch during normal business hours.

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.