Make a request

To increase a credit limit on BankAmericard Cash rewards credit card, you have to make a request by calling a customer service phone number printed on the back of the card.

Provide annual income and mortgage / rent payment

When I applied for a credit line increase on my cash back credit card, a representative asked how much I earn and what is my monthly mortgage or rent payments. While requesting a credit limit increase, you have to give an exact number how much you want to add to an existing account.

Reasonable amount to ask

I have a two-year- old cash back credit card from Bank of America. It gives me 3% cash back on gas, 2% cash back on groceries, and 1% on all other purchases. It is not the best rewards credit card I own, but still I use it every month with about 10% to 15% available credit line utilization. In about a week after the request, I received an approval letter by mail, and my credit limit was doubled.

Be aware of credit check

When I asked to add some extra dollars to the account, Bank of America checked my credit history. I didn’t have any other accounts with Bank of America and do not do online banking with this bank, but on their website it says you can request a credit line increase from Account details page after you sign in to online banking. I know Citibank gives you an instant answer once you submit an online request for the credit limit increase without credit inquire. Probably Bank of America has a similar option.

Conclusions

It is very simple to increase a credit line on BankAmericard Cash Rewards credit card account. If you are using the card and have a good credit history. Most likely, there won’t be any problems with the approval.

June 2016 update

In 7 months after first credit line increase, I called BankAmericard customer service to increase the limit on the credit card second time. After providing my gross annual income and monthly rent/mortgage payments the credit line was increased immediately. I asked to double available funds, but they gave me slightly less. Still, it was a decent increase and it took literally few minutes to submit request and get an answer.