The main Bank of America credit card payment phone number
Call 1-800-435-7000 to pay your Bank of America credit card by phone. This is the customer service line that handles payments for all Bank of America credit card products. You will need your card number and the amount you want to pay ready before you call.
The line is open 24 hours a day, 7 days a week. When you call, an automated system will walk you through the payment process. You can complete the entire transaction without speaking to a representative, though you can stay on the line to speak with someone if you prefer.
Payment by phone is processed when ready, and the money is deducted from your bank account the same day or the next business day, depending on when you call and your bank's processing schedule. There is no fee to pay by phone.
Key Takeaways
- Call 1-800-435-7000 to pay your Bank of America credit card by phone at any time, day or night.
- You will need your card number, the payment amount, and a bank account to draw the payment from.
- Payments are processed the same day or next business day with no charge.
- If you call after 11:59 p.m. Eastern Time, the payment may post the following business day.
- You can also pay online through your Bank of America account or through the mobile app without calling.
What information you need before you call
Have your 16-digit credit card number ready. The automated system will ask you to enter it using your phone keypad. You can also provide your Social Security number or the phone number associated with your account if you prefer not to enter your card number.
Know the exact amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. The system will confirm the amount before processing.
Have a bank account number and routing number from the account you want the payment drawn from. This is usually a checking account, but it can be any account you have access to. The routing number is a nine-digit code your bank provides; you can find it on the bottom left of your checks or by calling your bank.
How the automated payment system works
When you call 1-800-435-7000, you will hear a menu with several options. Press the key for "Make a Payment" or a similar option. The system will then ask you to enter your card number or account information.
After you confirm your identity, the system will tell you your current balance and minimum payment due. You can then enter the amount you want to pay. The system will read back the amount and ask you to confirm it before it processes the payment.
Next, you will enter the bank account information where the payment will be drawn from. The system will confirm this information as well. Once you confirm everything, the payment is submitted when ready. You will hear a confirmation number at the end of the call; write this down for your records.
When payments post to your account
Payments made by phone are usually posted to your credit card account within one business day. If you call early in the morning, the payment may post the same day. If you call late in the evening, it typically posts the next business day.
Bank of America considers a payment received on the day you call, even if it takes a day or two to show up in your account. This means if your payment is due on a specific date, calling before that date counts as an on-time payment, even if the funds do not appear until the next day.
If you need the payment to post by a specific date, call at least one business day before that date to be safe. Payments made on weekends or holidays are processed on the next business day.
Speaking to a representative instead of using the automated system
If you prefer to speak with a person, you can stay on the line after the automated menu starts, or press the option to speak with a representative. Wait times vary depending on the time of day you call. Early morning and late evening usually have shorter wait times than midday.
A representative can walk you through the payment process step by step and answer questions about your account. They can also help if you run into any issues with the automated system or if you want to set up a recurring payment.
There is no additional charge for speaking with a representative. The payment process is the same whether you use the automated system or speak with someone.
Other ways to pay your Bank of America credit card
Paying by phone is one option, but Bank of America offers several other ways to pay. You can log into your Bank of America online account and make a payment directly from there. This method is available 24/7 and takes just a few minutes.
The Bank of America mobile app also allows you to pay your credit card. read the app, log in with your username and password, and navigate to your credit card account. You can make a one-time payment or set up automatic payments.
You can also pay by mail by sending a check to the address on your credit card statement. Mail payments take longer to process — usually 5 to 7 business days — so send your payment well before your due date if you choose this method.
Setting up automatic payments
If you want to pay your credit card automatically each month, you can set this up through the phone line or online. When you call 1-800-435-7000, ask to speak with a representative about setting up automatic payments. They will ask you which day of the month you want the payment to be made and how much you want to pay each month.
You can also set up automatic payments online by logging into your Bank of America account, going to your credit card, and selecting the option to schedule recurring payments. You can choose to pay your full balance, the minimum payment, or a fixed amount each month.
Automatic payments are a good way to make sure you never miss a due date. You can change or cancel automatic payments at any time through your online account or by calling customer service.
Frequently Asked Questions
Is there a fee to pay my Bank of America credit card by phone?
No. Bank of America does not charge a fee for paying your credit card by phone. The payment is processed at no cost to you, and the funds are drawn directly from your bank account.
What if I do not have a bank account to pay from?
You need a bank account to pay by phone because the payment is drawn directly from that account. If you do not have a bank account, you can pay online using a debit card, or you can mail a check to the address on your statement.
Can I pay my credit card by phone if I do not know my exact balance?
Yes. When you call, the automated system will tell you your current balance and minimum payment due. You can then decide how much you want to pay. You do not need to know your balance before you call.
What happens if I call to pay after my due date?
The payment will still be processed, but it will be considered late. Late payments can result in a late fee and may affect your credit score. If you are past your due date, call as soon as possible to make a payment.
Can I pay someone else's Bank of America credit card by phone?
No. You can only pay a credit card account if your name is on the account. If you want to pay someone else's bill, they will need to authorize you as an authorized user on their account first, or they can make the payment themselves.