You can get a Bank of America credit line increase by requesting it online or by calling customer service at (800) 732-9194. For the best chances of receiving a Bank of America credit line increase, you should have at least six consecutive months of on-time payments under your belt. Having more income and/or less debt than you did when you got your Bank of America credit card will help, too.
How To Get a Bank of America Credit Limit Increase
- Sign in to your Bank of America online account or use the mobile app. You’ll need to enroll in online banking if you haven’t already.
- Go to the “Account details” page.
- Click the “Information and Services” tab.
- Look to see if there is a button for increasing your credit limit. It will only appear if your account is eligible to request an increase online.
- Enter your total annual income, the amount of the increase you want, and click “Submit request.”
If you would like to request a Bank of America credit line increase by phone, call (800) 732-9194 and enter your card number. When connected to a representative, tell them you’d like a higher limit. They will ask for your income, desired increase amount and permission to do a hard pull, if applicable.
You will receive your Bank of America credit line increase decision either on the site or by email.
BofA Credit Limit Increases & Your Credit Score
When you request a Bank of America 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. But if you get a higher limit, that can help your score long-term.
Anyway, depending on what Bank of America’s computer system decides, they may just do a harmless soft pull of your credit instead.
Bank of America may offer you a credit limit increase without you asking. They’ll periodically review your account to see if you are eligible. A credit line increase from this type of review always uses a soft pull.