The Bank of America credit card payment phone number is 1-800-435-7000
Call this number to make a one-time payment, set up automatic payments, or check your account balance. The line is available 24 hours a day, 7 days a week. You will need your card number or account number and the amount you want to pay ready when you call.
When you reach the automated system, follow the prompts to select payment options. You can pay from a checking or savings account at any U.S. bank. The system will ask you to verify your identity using your card number, Social Security number, or account PIN.
Key Takeaways
- Bank of America credit card payments by phone go through 1-800-435-7000, available around the clock.
- You can pay from any U.S. bank account, and the system processes your payment when ready or on a date you choose.
- Have your card number, account number, and bank routing number ready to speed up the call.
- Payments made before 8 p.m. Eastern Time on a business day typically post the same day.
- If you speak with a representative, they can also help you set up recurring automatic payments so you do not have to call each month.
What information you need before calling
Gather these details before you dial so the call moves faster. You will need your Bank of America credit card number or the account number printed on your statement. The automated system will ask you to enter this using your phone keypad.
Have your bank account information ready if you plan to pay from a different bank. You will need the routing number (a nine-digit code that identifies your bank) and your account number. If you are paying from a Bank of America account, the system can often pull this information automatically once you verify your identity.
Know the exact amount you want to pay before you call. You can pay your full balance, the minimum payment, or any amount in between.
How payments are processed and when they post
When you call and authorize a payment, the system confirms it when ready. Payments made before 8 p.m. Eastern Time on a business day (Monday through Friday) typically post to your account the same day. Payments made after 8 p.m. or on weekends and holidays usually post the next business day.
You can choose to pay right away or schedule the payment for a future date. If you schedule a payment, tell the system the date you want the money to leave your bank account. This is useful if you want to time the payment with your paycheck or may support funds are in your account first.
The system will give you a confirmation number at the end of the call. Write this down or ask the automated system to repeat it. Keep this number in case you need to track the payment or contact Bank of America later.
Setting up automatic monthly payments by phone
If you call and speak with a representative instead of using the automated system, you can set up a recurring payment that happens every month without you having to call again. Ask the representative to enroll you in automatic payments and tell them the amount and the date each month you want the payment to go through.
You can set automatic payments for your full balance, a fixed dollar amount, or the minimum payment. Many people choose to pay the full balance automatically on the due date so they never miss a payment and never carry interest.
To reach a representative, call the same number (1-800-435-7000) and when the automated system asks what you need, say "representative" or "speak to someone." Wait times vary depending on the time of day and how busy the line is.
Paying from a Bank of America account versus another bank
If your checking or savings account is also at Bank of America, the payment process is slightly faster because the system already has your account information on file. You may only need to verify your identity and enter the amount.
Paying from an account at a different bank (Chase, Wells Fargo, a credit union, or any other institution) works the same way, but you will need to provide your routing number and account number. The system will ask you to enter these using your phone keypad. The payment still posts within one business day in most cases.
What to do if the payment line is busy or you cannot reach it
If you reach a busy signal or long hold time, try calling during off-peak hours: early morning (before 9 a.m. Eastern Time) or late evening (after 6 p.m. Eastern Time) on weekdays. Weekends and holidays also tend to have shorter wait times.
If you cannot reach the phone line or prefer not to call, you have other ways to pay your Bank of America credit card. You can log into your online account at bankofamerica.com, use the Bank of America mobile app, mail a check to the address on your statement, or pay in person at a Bank of America branch.
If you are having trouble with a payment you already made or need to dispute a charge, a representative can help you more thoroughly than the automated system. Call the number and ask to speak with someone from the customer service team.
International payments and special situations
If you are calling from outside the United States, you cannot use the 1-800 number because it only works within the U.S. Instead, log into your Bank of America online account or contact the international customer service line for your country. Bank of America's website lists country-specific phone numbers.
If you have a Bank of America business credit card rather than a personal card, the payment process is the same, but the phone number may be different. Check your business card statement for the correct payment phone number, or call the main customer service line and ask for the business credit card payment line.
Frequently Asked Questions
Can I pay my Bank of America credit card by phone if I do not have a bank account?
No. The phone payment system requires you to pay from a U.S. bank account (checking or savings). If you do not have a bank account, you can pay by mail with a check or money order, or pay in person at a Bank of America branch with cash or a debit card.
How long does it take for a phone payment to show up on my account?
Payments made before 8 p.m. Eastern Time on a business day post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. You will receive a confirmation number when ready when you authorize the payment, even if it has not posted yet.
What if I made a mistake and need to cancel a payment I just made?
If you just made the payment and it has not posted yet, call 1-800-435-7000 right away and speak with a representative. They may be able to cancel it if it has not processed. If the payment has already posted, you will need to contact customer service to discuss a refund or reversal.
Can I pay someone else's Bank of America credit card bill by phone?
No. The automated system requires you to verify your identity using information tied to the account. You cannot pay another person's card unless you are an authorized user on that account. If you are an authorized user, you can call and make a payment using your own bank account.
Is there a fee for paying my credit card by phone?
Bank of America does not charge a fee to pay your credit card by phone. The payment is free whether you use the automated system or speak with a representative. Some other banks charge a fee for phone payments, but Bank of America does not.