What happens when you call Bank of America's credit card line
When you call Bank of America's credit card customer service, you reach a representative who can handle account questions, dispute transactions, report a lost or stolen card, make a payment, review your statement, or discuss your account status. The call goes to a centralized line that routes you based on what you need. You will not reach a local branch — this is a national phone line staffed during business hours.
Bank of America's credit card line is separate from their general customer service line. Using the credit card-specific number gets you to someone trained on credit card issues rather than deposit accounts or loans. The wait time varies by time of day and day of week, but calling early in the morning on a weekday typically means shorter hold times than calling in the afternoon or on weekends.
Key Takeaways
- Bank of America's credit card customer service line is 1-800-732-9194, available Monday through Friday from 8 a.m. to 9 p.m. Eastern Time and Saturday from 9 a.m. to 5 p.m. Eastern Time.
- You will need your card number or the phone number associated with your account to verify your identity before speaking with a representative.
- Common reasons to call include disputing a charge, reporting a lost or stolen card, making a payment, or asking about your credit limit or rewards.
- If you have a fraud claim, the representative will start a dispute investigation and may issue a temporary credit while they investigate.
- You can also reach Bank of America through their mobile app or online banking portal for some account questions without waiting on hold.
The Bank of America credit card phone number and hours
The main credit card customer service number for Bank of America is 1-800-732-9194. This number is for cardholders with questions about their account. The line is open Monday through Friday from 8 a.m. to 9 p.m. Eastern Time and Saturday from 9 a.m. to 5 p.m. Eastern Time. The line is closed on Sundays and major U.S. holidays.
If you are calling from outside the United States, Bank of America has international numbers listed on the back of your physical card or in your online account. International calls may have different hours and may incur long-distance charges depending on your phone plan.
Wait times are typically shortest between 8 a.m. and 10 a.m. on weekday mornings. Calling during lunch hours or late afternoon often means longer hold times. If you reach an automated system first, you can usually press a number to skip ahead to a representative rather than listening to menu options.
What you need before you call
Have your Bank of America credit card in front of you when you call. The representative will ask for your card number to pull up your account. If you do not have the card available, you can provide the phone number associated with your account instead, though this may take longer to verify.
If you are calling about a specific transaction, have the date and amount ready. For fraud disputes, write down the merchant name, the date the charge appeared, and the amount. If you are calling about a payment, know your current balance or have your most recent statement available.
If you are calling on behalf of someone else's account, you will need to be listed as an authorized user or have power of attorney. Bank of America will not discuss another person's account details with you otherwise, even if you are a family member.
Disputing a charge on your Bank of America credit card
When you call to dispute a charge, tell the representative the merchant name, the date of the transaction, and the amount. Explain why you are disputing it — whether you did not recognize it, were charged twice, or received a refund that did not post. The representative will document your claim and open a dispute investigation.
Bank of America typically issues a temporary credit to your account while they investigate, though this is not may provide. The investigation usually takes 30 to 60 days. During that time, the merchant has a chance to respond. If the merchant provides proof of delivery or a signed receipt, the dispute may be closed in their favor and the temporary credit reversed.
You can also dispute a charge through your online account or mobile app without calling. Log in, find the transaction, and select "Report as Fraud" or "Dispute This Transaction." The process is the same whether you call or use the app, and you will receive updates by mail or email as the investigation progresses.
Reporting a lost or stolen Bank of America credit card
If your card is lost or stolen, call 1-800-732-9194 when ready. The representative will cancel the card right away and stop any new charges from going through. You will not be liable for unauthorized charges made after you report the card missing, though you may be responsible for charges made before you called if you were negligent.
The representative will ask you to confirm recent transactions to make sure they are legitimate. If you spot unauthorized charges, report them during this call so they can be added to your dispute. Bank of America will mail a replacement card to the address on file, which typically arrives within 7 to 10 business days.
If you need a card urgently, ask the representative about expedited shipping options. Some accounts are may be able to access for next-day or two-day delivery, though this may come with a fee. In the meantime, you can use your Bank of America mobile app to make contactless payments if your phone supports it.
Making a payment over the phone
You can make a one-time credit card payment by calling 1-800-732-9194. The representative will ask how much you want to pay and confirm the payment method — either from a Bank of America checking or savings account, or from an account at another bank. Payments from a Bank of America account post when ready, while payments from other banks may take one to two business days.
There is no fee to make a payment over the phone. However, if you are calling to make a payment because you missed a due date, ask about late fees and whether the representative can waive them. Bank of America sometimes waives a single late fee per year if you have a good payment history and ask.
For recurring payments, you can set up automatic payments through your online account or app instead of calling each month. This is faster and ensures you never miss a due date. You can choose to pay the full balance, a fixed amount, or the minimum payment each month.
Other reasons to call Bank of America credit card customer service
You can call to ask about your credit limit, request an increase, or discuss your rewards program. If you have a Bank of America credit card with cash back or travel rewards, the representative can explain how to redeem points, check your balance, or answer questions about earning rates.
You can also call if you want to close your account, change your billing address, update your contact information, or ask about promotional offers you may be may be able to access for. Some changes can be made through your online account, but calling is sometimes faster if you have multiple changes to make at once.
If you are having trouble logging into your online account or mobile app, customer service can help reset your password or troubleshoot access issues. They can also explain features of your account or help you understand your statement if something looks unclear.
Frequently Asked Questions
Can I dispute a charge after 60 days?
Bank of America allows you to dispute charges within 60 days of when they appear on your statement. After 60 days, you cannot open a new dispute through the credit card system. If you believe the charge is fraudulent or incorrect, contact the merchant directly to request a refund or correction.
What if I cannot reach a representative?
If the line is busy, you can try calling back during off-peak hours — early morning on a weekday usually has shorter waits. You can also log into your Bank of America online account or mobile app to handle many issues without calling, including viewing your balance, making payments, or disputing a charge.
Will Bank of America refund unauthorized charges?
Yes, you are not liable for unauthorized charges if you report them promptly. Call as soon as you notice the charge. Bank of America will investigate and typically issue a temporary credit while they verify the claim. If the investigation confirms fraud, the credit becomes permanent.
How long does a replacement card take to arrive?
Standard replacement cards arrive within 7 to 10 business days. Expedited options may be available for an additional fee and can deliver in 1 to 2 business days. Ask the representative about expedited shipping when you report your card lost or stolen.
Can I make a payment if I do not have a Bank of America account?
Yes. You can pay from a checking or savings account at any U.S. bank. The representative will ask for your routing number and account number. Payments from other banks typically post within one to two business days.