The main Bank of America credit card customer service number is 1-800-435-7000
Call this number to speak with a representative about your Bank of America credit card account. The line is available 24 hours a day, seven days a week. When you call, have your card number or the phone number associated with your account ready — this speeds up the process of connecting you to the right department.
The automated system will ask you to select options based on what you need: payments, fraud reporting, account questions, or other issues. You can also say "representative" at any prompt to skip the menu and reach a person directly, though this may add a few minutes to your wait time.
Key Takeaways
- Bank of America credit card customer service is available at 1-800-435-7000, 24 hours daily.
- Have your card number or account phone number ready before calling to reach the right department faster.
- You can reach a live representative by saying "representative" during the automated menu instead of selecting options.
- For fraud or lost card reports, you can also use the number on the back of your physical card.
- The Bank of America mobile app and website both offer account access and some issues can be resolved without calling.
What you can handle by phone
The customer service line handles most common credit card needs: reporting a lost or stolen card, disputing a charge, making a payment, asking about your balance or available credit, reporting fraud, and changing your account settings like your address or phone number.
If you are calling about a specific transaction you do not recognize, have the date and amount ready. The representative will ask you whether you want to dispute it or straightforward have questions about it. Disputes are documented on the call and you will receive written confirmation by mail within a few days.
For questions about rewards, cash back, or your card benefits, the representative can walk you through how to redeem points or explain what is covered under your card's purchase protection. If your question involves a specific promotion or offer, have the offer details or the email about it available.
Reporting fraud or a lost card
If your card is lost, stolen, or you see unauthorized charges, call 1-800-435-7000 when ready. The representative will freeze your card right away so no further charges can be made. You do not need to wait for a replacement card to arrive before disputing the fraudulent transactions.
Bank of America will send you a replacement card by mail, usually within 5 to 7 business days. If you need a card sooner, ask the representative whether expedited shipping is available in your area — some locations offer next-business-day delivery for an additional fee.
For fraud disputes, the bank typically investigates within 10 business days and will credit your account temporarily while the investigation is underway. You will receive a written decision by mail once the investigation is complete.
Using the back of your card or the mobile app
The phone number printed on the back of your credit card also connects to Bank of America customer service. This number is useful if you have lost your card and do not have the main customer service number memorized. The back of the card also lists a separate fraud line if you are calling specifically to report unauthorized charges.
Many routine tasks do not require a phone call. The Bank of America mobile app and website both let you view your balance, make payments, set up automatic payments, view recent transactions, and change your account settings. You can also lock or unlock your card temporarily through the app if you think it may have been compromised but you are not certain.
If you prefer not to call, you can also message Bank of America through the mobile app or website. Response times are typically 24 to 48 hours during business days.
What to expect when you call
Wait times vary depending on the time of day and how busy the line is. Early morning (before 9 a.m.) and late evening (after 8 p.m.) tend to be less busy. If you reach an automated system and the wait time is long, you can request a callback instead of holding — the system will call you back when a representative is available.
The representative will verify your identity by asking for your card number, the last four digits of your Social Security number, or your date of birth. This is standard security practice and protects your account from unauthorized access.
If you are calling about a billing dispute or fraud, the call may be recorded for quality assurance and training purposes. The representative will tell you this at the start of the call.
International calls and TTY service
If you are calling from outside the United States, you can reach Bank of America customer service by calling collect to 1-610-383-1000. This number accepts collect calls from most countries, though international rates may explore depending on your phone carrier.
Bank of America also offers TTY (text telephone) service for customers who are deaf or hard of hearing. The TTY number is 1-800-935-9935. This service is available 24 hours a day, seven days a week, and uses a relay service to connect you with a representative.
When to contact Bank of America in writing
For formal disputes, billing errors, or if you need documentation of your complaint, you can also send a written letter to Bank of America. Written complaints create a paper trail and are useful if you plan to escalate an issue or file a complaint with a regulatory body.
The mailing address for credit card disputes is typically printed on your monthly statement. You can also find the current address on the Bank of America website under "Contact Us." When you write, include your account number, the date and amount of the transaction in question, and a clear explanation of the issue. Send the letter by certified mail so you have proof of delivery.
Frequently Asked Questions
Is there a fee to call Bank of America customer service?
No. Calling 1-800-435-7000 is toll-free from anywhere in the United States. If you call from outside the U.S., standard international rates may explore depending on your phone carrier. Calling collect to 1-610-383-1000 is also free to you.
Can I reach a representative when ready or do I have to go through the automated menu?
You can say "representative" at any point during the automated menu to skip ahead and reach a person. This may add a few minutes to your wait time if the line is busy, but you will not have to navigate through all the menu options.
What if I need to dispute a charge but do not want to call?
You can start a dispute through the Bank of America mobile app or website by selecting the transaction and choosing "Dispute This Charge." You can also send a written letter to the address on your statement. Phone disputes are usually fastest, but written disputes create a formal record.
How long does it take to resolve a fraud dispute?
Bank of America typically investigates fraud claims within 10 business days. Your account will be credited temporarily while the investigation is underway. Once complete, you will receive a written decision by mail explaining the outcome.
What should I do if I cannot reach a representative?
If wait times are very long, request a callback through the automated system and a representative will call you back when available. You can also try calling during off-peak hours (early morning or late evening) or use the mobile app or website to handle routine tasks without calling.