How to contact Bank of America about your credit card
Bank of America operates a dedicated credit card customer service line at 1-800-435-7925. This number works for questions about your account, billing disputes, fraud reports, rewards redemption, and payment issues. The line is staffed Monday through Friday, 8 a.m. to 10 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 6 p.m. Eastern time.
You can also reach customer service through your online account. Log into BankofAmerica.com, select your credit card, and look for the "Contact Us" option — this typically shows a phone number, live chat availability, and a form to request a callback. The callback option is useful if you do not want to wait on hold; Bank of America will call you back within the timeframe you select.
For issues that do not require when ready attention, you can mail Bank of America at the address printed on your statement or billing insert. Include your account number and a clear description of your issue. Response time for mail is typically two to three weeks.
Key Takeaways
- Bank of America credit card customer service is available at 1-800-435-7925 during business hours, with extended weekend availability.
- You can use your online account to access live chat, request a callback, or submit a written inquiry without waiting on the phone.
- Have your card number, recent statement, and a description of your issue ready before you call to speed up the conversation.
- For fraud or unauthorized charges, call when ready — Bank of America can freeze your card and dispute charges while you are on the phone.
What to have ready before you call
Bank of America will ask for your card number or the phone number associated with your account. Have your most recent statement nearby so you can reference specific transactions, dates, or amounts if you are calling about a billing question or dispute.
If you are calling about fraud or an unauthorized charge, have the transaction details in front of you — the merchant name, the amount, and the date it posted. Bank of America can often reverse a fraudulent charge while you are still on the phone, but only if you can describe it clearly.
For rewards or benefits questions, know which Bank of America card you hold — the specific product name matters, because different cards have different reward structures and perks. If you are unsure, check your statement or log into your account; the card name appears at the top of your online dashboard.
Common reasons to contact customer service
Billing disputes and errors. If a charge appears on your statement that you did not make, or if you were charged twice for the same purchase, call to report it. Bank of America will open a dispute investigation, which typically takes 30 to 60 days. During that time, the disputed amount is usually removed from your balance while the investigation proceeds.
Fraud and unauthorized charges. If your card number was stolen or used without your permission, call when ready. Bank of America will cancel your card, issue a replacement, and reverse fraudulent charges. The sooner you report it, the sooner you are protected — federal law limits your liability to $50 if you report within 60 days, and Bank of America often waives even that.
Payment and account access issues. If you cannot make a payment online, your payment failed, or you are locked out of your account, customer service can help you troubleshoot or process a payment over the phone. They can also explain late fees, interest charges, or changes to your account status.
Rewards and benefits questions. If you are unsure how to redeem points, whether a purchase earns bonus rewards, or what benefits come with your card, customer service can walk you through it. They can also tell you if you are missing out on a benefit you did not know you had.
Online and mobile options for faster answers
Bank of America's mobile app and website both have built-in resources that can answer common questions without a phone call. Log into your account and look for "FAQs" or "Help" — these sections cover payment methods, reward redemption, fraud reporting, and account settings.
Live chat is available through the website and app during the same hours as phone support. Chat is often faster than calling if your issue is straightforward — you will not wait on hold, and you have a written record of the conversation.
For billing disputes, you can also start the process online. Go to your account, find the transaction you want to dispute, and select "Report as Unauthorized" or "Dispute This Charge." Bank of America will ask you to describe the issue and will send you a confirmation number. You can follow up by phone if you need to add details.
What happens after you contact customer service
For fraud and unauthorized charges, Bank of America typically reverses the charge within one to three business days if you report it when ready. Your replacement card will arrive within 7 to 10 business days; you can request expedited shipping for a fee, or use your digital card in your mobile wallet in the meantime.
For billing disputes, Bank of America opens an investigation that lasts 30 to 60 days. They will contact the merchant and ask for proof of the transaction. If the merchant cannot provide proof, the charge is reversed. If the merchant provides proof that the charge was legitimate, you will be notified and the charge will remain on your account.
For other issues — payment problems, account access, rewards questions — customer service will either resolve the issue while you are on the phone or escalate it to a specialist. If escalation is needed, you will receive a case number and a timeframe for follow-up. Write down this number; it lets you reference the issue if you need to call back.
Frequently Asked Questions
How long will I wait on hold when I call?
Wait times vary depending on the time of day and day of the week. Calling early in the morning or mid-week typically means shorter waits. If you do not want to hold, use the callback option in your online account — Bank of America will call you back at a time you choose, and you will not lose your place in the queue.
Can I dispute a charge I authorized but now regret?
No. Disputes are for unauthorized charges or charges that did not match what you agreed to. If you bought something and changed your mind, contact the merchant directly to request a refund. If the merchant refuses, you have no dispute protection — the charge was legitimate.
What if I need to report my card lost or stolen?
Call 1-800-435-7925 when ready, or use the "Card Controls" feature in your mobile app to freeze your card when ready. Freezing stops all transactions until you unfreeze it. If the card is truly lost or stolen, ask for a replacement to be mailed or expedited.
Can customer service waive a late fee or interest charge?
Bank of America customer service can review your account history and may waive a single late fee if you have a good payment record and this is your first request. They cannot waive interest charges, but they can explain how interest is calculated and discuss payment options if you are struggling.
What if I have a complaint about how I was treated?
Ask the representative for the supervisor's contact information or a case number. You can also file a complaint with the Consumer Financial Protection Bureau at ConsumerFinance.gov. Bank of America is required to respond to CFPB complaints within 15 days.