Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
HardPull

2 Contributions
0 People Helped
Bank of America Credit Line Increase - Too Early?
Hi, I had a Bank of America Secured Credit Card ($500 limit) graduated to a Bank of America Travel Rewards Card with $2,200 credit line increase. Each month, I make sure to only charge 7% on it, then pay in full. I'd like to request a credit line increase as I want to increase my credit score as fast as I can. But I don't want a hard pull on my account. 1) is it too early to request a credit line increase? 2) what amount should I request to avoid a Hard Pull? Or should I just wait till they automatically increase my credit line? Any advice would be greatly appreciated. Thank you!

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7816 Contributions
1465 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

If it has been six months since your last increase, then you may be safe to go ahead and ask.

Top Contributor
79 Contributions
31 People Helped

Helpful to 1 out of 1 people

If you request a credit limit increase they should not do a hard pull without telling you (either on the page you are requesting or by following up with you).  If you want to be sure you can always call customer service and requset it with the stipulation that you do not want another hard pull on your credit.

2 Contributions
0 People Helped

Oh, and by the way, the graduation from a Secured Card to a Travel Rewards card happened in November 2016.

Results 1-3 of 3Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.