Navigating your credit card account should be straightforward, and Bank of America is committed to providing accessible and efficient customer service. Whether you need to manage payments, dispute a charge, report a lost card, or simply understand your account better, Bank of America offers multiple avenues for support. This guide provides you with all the necessary contact information and resources to resolve your queries effectively.
Contact Us by Mail
For certain requests, especially those requiring documentation or formal submissions, contacting Bank Of America Credit Card Customer Service by mail is a reliable option. Below are the mailing addresses for different purposes:
Credit Card Payments
When sending payments via mail, ensure you use the correct address to avoid delays.
Bank of America
PO Box 15019
Wilmington, DE 19886-5019
Express Overnight Payment Service
For urgent payments requiring overnight delivery, use the following address:
Payment Services
900 Samoset Drive
DE5-023-03-02
Newark, DE 19713-6000
Credit Card Billing Inquiries
For all billing-related questions and inquiries, please direct your mail to:
Bank of America
PO Box 672050
Dallas, TX 75267-2050
Mailing address for Bank of America credit card payments
Alternative text: Image depicting mailing addresses for Bank of America credit card services, including payments and billing inquiries.
Contact Us by Phone
For immediate assistance, speaking directly with a customer service representative can be the quickest way to resolve your issues. Bank of America provides dedicated phone lines for various credit card services, available 24/7 for many critical needs.
Credit Card Customer Service (Including Lost or Stolen Cards)
For general customer service inquiries, including reporting a lost or stolen credit card, call:
800.732.9194 (Within the U.S.)
1.302.738.5719 (International, roaming charges may apply)
These lines are available 24 hours a day, 7 days a week, ensuring you can get help whenever you need it, especially in emergencies like a lost or stolen card.
Credit Card Activation
To activate your new Bank of America credit card, you can call their dedicated activation line:
800.276.9939
This service is also available 24/7, allowing you to activate your card and start using it immediately.
Credit Card Billing Inquiries
For specific questions related to your credit card billing, you can reach the billing inquiries department at:
866.266.0212
Please note that while general customer service and activation lines are 24/7, the billing inquiries line may have specific operating hours. It’s advisable to check the current hours if you need to call about billing matters.
Bank of America also accommodates customers with specific needs:
- Relay Services: Calls made through relay services (dial 711) are accepted.
- Language Interpretation Services: Free language interpretation services are available. You can request an interpreter at a financial center or when speaking with an agent over the phone.
Online and Mobile Banking Customer Service
In today’s digital age, managing your credit card online or via mobile app is often the most convenient method. Bank of America offers robust online and mobile banking platforms to handle most of your customer service needs.
Online Banking
Bank of America’s Online Banking platform provides a comprehensive suite of tools for managing your credit card account. You can:
- Check your balance: Get real-time updates on your current balance and available credit.
- Review account activity: Access up to 12 months of transaction history.
- Download transactions: Export your transaction data for use with financial software.
- Make payments: Schedule and make payments directly from your linked bank accounts.
- Dispute transactions: Initiate disputes for unauthorized or incorrect charges.
- Redeem rewards: Manage and redeem your credit card rewards points or cash back.
- Contact customer service: Send secure messages and get online support.
To access these features, simply log in to Online Banking.
Mobile Banking App
For on-the-go management, the Bank of America Mobile Banking app offers similar functionalities to online banking, right from your smartphone. Key features include:
- Balance checks: Quick view of your credit card balances.
- Transaction history: Review recent transactions.
- Mobile check deposit: Deposit checks remotely.
- Bill pay: Pay your credit card and other bills.
- Rewards redemption: Redeem rewards directly through the app.
- Erica® virtual assistant: Use voice commands or chat with Erica for quick help and transactions.
Download the Mobile Banking app to manage your credit card and access customer service features from anywhere.
Alternative text: Bank of America location icon representing mobile banking and ATM/branch finder.
Frequently Asked Questions (FAQs)
Bank of America provides an extensive FAQ section to answer common questions about credit card services. Here are some frequently asked questions and their quick solutions:
Checking Application Status
If you’ve recently applied for a Bank of America credit card online, you can easily check your application status:
- Online: Visit the application status page on Bank of America’s website.
- Phone: Call 866.422.8089 to check your application status over the phone.
Checking Your Credit Card Balance
The fastest way to check your credit card balance is through digital banking:
- Online Banking: Log in to your account and view your account summary.
- Mobile App: Use the Mobile Banking app for a quick balance check.
- Automated Phone Service: Call the customer service number and use the automated system.
Redeeming Credit Card Rewards
Bank of America offers flexible ways to redeem your credit card rewards:
- Mobile App: Redeem via the “View My Rewards” link or through Erica.
- Online Banking: Go to your credit card account and select the “Rewards” tab.
- Phone: Call 800.434.8313 (Mon-Fri, 9 a.m.-9 p.m. ET) to redeem rewards by phone.
Understanding Fees
To understand the fees associated with your credit card:
- Online Banking: Check the “Fee Information” section under the “Information & Services” tab of your credit card account.
- FAQ: Review the FAQs about fees on Bank of America’s website.
- Card Agreement: Refer to the credit card agreement you received when you opened your account.
Fraud Prevention
Bank of America is proactive in helping you prevent fraud. Utilize their resources:
- Fraud Prevention Checklist: Review the fraud prevention checklist for steps you can take to protect yourself.
- Fraudulent Email Example: Be aware of phishing attempts and learn to recognize fraudulent emails.
Disputing a Transaction
If you need to dispute a credit card transaction:
- Contact the Merchant: Often, resolving issues directly with the merchant can be faster.
- Online Banking: Submit disputes online through your transaction details or the “Dispute a transaction” link in the “Information & Services” tab.
- Time Limit: Disputes should be initiated within 60 days of the statement date where the error appeared.
Credit Card Assistance
If you are facing difficulties managing your credit card debt:
- Credit Card Assistance Page: Visit the credit card assistance page for resources and support.
- Better Money Habits Articles: Explore articles like How to tackle financial stress and Could a credit counselor help me? for financial advice.
Example of Fraudulent Email
Be vigilant about potential phishing emails. Fraudulent emails often exhibit these signs:
- Unusual content: Poor grammar, spelling errors, or unusual phrasing.
- Urgent calls to action: Demands for immediate action, often threatening account suspension.
- Suspicious links: Links that may look like Bank of America links but lead to fake websites.
Always access your Bank of America account directly through the official website or app, rather than clicking links in emails.
Alternative text: Bank of America calendar icon representing appointment scheduling and customer service availability.
Find ATMs & Financial Centers
For in-person banking needs:
- Financial Center Locator: Use the financial center locator to find nearby ATMs and branches.
Schedule an Appointment
For complex issues or account opening:
- Appointment Scheduling: Make an appointment online to meet with a Bank of America representative at your convenience.
Connect with Us on Social Media
Bank of America also offers customer service through social media for general inquiries:
- Facebook: Message Bank of America on Facebook.
- Twitter: Direct message @BofA_Help on Twitter.
Social media support is available:
- Mon-Fri, 8 a.m. to 9 p.m. ET
- Sat, 9 a.m. to 6 p.m. ET
- Sun, 8 a.m. to 5 p.m. ET
When contacting via social media, remember not to share sensitive personal information like account numbers or Social Security numbers.
Bank of America provides multiple channels for customer service to ensure you can easily manage your credit card account and get the help you need. Choose the method that best suits your needs and enjoy seamless credit card management.
