You can request a Bank of America credit line increase online or by calling customer service at 1 (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.
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.
Here’s how to get a Bank of America credit limit increase:
Sign in to your Bank of America online account. 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.
- Enter your total annual income, the amount of the increase you want, and click “Submit Request.”
You will receive your Bank of America credit line increase decision either on the site or by email.
If you would like to request a Bank of America credit line increase by phone, call 1 (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.