How do I check my Bank of America credit card status?

Question

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.

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Answer 1 · 2022-03-11 20:37:37

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WalletHub, Financial Company

@WalletHub • 03/11/22 This answer was first published on 06/03/18 and it was last updated on 03/11/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can check your Bank of America credit card status either online or over the phone, by calling customer service at (866) 422-8089.

In order to see whether your application is approved, denied or still pending, you’ll need to give some basic personal information like your zip code and the last four digits of your Social Security number. This ensures that Bank of America can match you to your application. You can check your application status as often as you like, as it’s free and quick.

How to check your Bank of America credit card status online:

Go to Bank of America’s application status page.
Enter your last name, date of birth, last four digits of your Social Security number and zip code.
Click “Submit.”

You’ll now be able to see any applications you’ve submitted and whether they have been approved or denied yet. If your application is still pending, don’t worry. It may take up to 30 days from when you submitted your application to receive a decision. If you are approved, you can expect your card in 7-10 business days. But if you’re denied and think you can justify why you should be approved, you can call customer service and ask for reconsideration.

Answer 2 · 2018-06-21 22:56:45

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Mark Reffo, Member

@mark_reffo • 06/21/18 This answer was first published on 06/21/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Best way to check that is here: https://secure.bankofamerica.com/apply-credit-cards/public/application-status/

Just enter your details there, and they'll tell you how your application's doing.

@penrose_dianne

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I don't know if I had done it right and I don't know if it went through plus it said that it's going to take a couple of weeks what if I apply online and I should have got it in seconds but I don't know can you please check

Answer 3 · 2021-05- 7

@penrose_dianne

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I don't know if I had done it right and I don't know if it went through plus it said that it's going to take a couple of weeks what if I apply online and I should have got it in seconds but I don't know can you please check

How do I check my Bank of America credit card status?

WalletHub, Financial Company

How to check your Bank of America credit card status online:

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Mark Reffo, Member

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