Bank of america request credit line increase hard pull

If it's been some time since you received your Bank of America card, you use your credit responsibly and you have good creditworthiness, you might qualify for a higher limit. Bank of America's automatic credit limit increases involve soft credit pulls and have no bearing on your credit score.

You might also see a temporary dip in your credit score following a credit limit increase. That's because a hard credit inquiry could be triggered to ensure you meet the standards to receive a higher limit.

Bank of America does a hard credit pull for most credit limit increase requests, so be aware of this. This means that it will show up as an inquiry on your credit report. However, a hard pull isn't usually done on limit increase requests of $2,000 or less.

It is likely Bank of America will make a hard inquiry on at least one of your credit reports. To get a good idea of whether or not you should risk a hard inquiry, attempt Bank of America's pre-approval process. A preapproval will not normally make a hard inquiry against your credit.