Bank of America Credit Cards

Phone Number & Getting a Rep

Bank of America Credit Cards number

800-732-9194
Toll-free·Calls Credit Cards·See main phone number & contact info
Q:

How do I talk to a human at this Bank of America number?

A:Press ** then 0 for credit card dept.
Q:

Does this phone number work 24/7?

A:Yes! This phone number operates 24 hours a day, 7 days a week. The least busy day is Saturday, and the most busy day is Monday. See below for more and to learn where this data comes from.
Q:

How long will I have to wait to speak to Bank of America Credit Cards?

A:The average hold time is 38 minutes. The longest hold times are on Friday, and the shortest are on Tuesday.

All Bank of America customer service contact information

This is the #7 most popular Bank of America phone number out of 16. Click above to go back to the main customer service number and other contact information, including Bank of America email addresses, twitter handles, and live chat options.

More Bank of America Customer Phone Numbers

Customer Service

800-432-1000
Main phone number · Toll-free · Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Press 0#, then 0#, then 0, then 0 then 1, then 0# · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Online Banking

800-781-5393
Toll-free · 7am-10pm EST · Leads directly to an associate for Online Banking for all states but California, and BofA Northwest · A representative will answer the phone

Executive Customer Relations

704-386-5687
24 hours, 7 days · For Executive Customer Relations. Keep dialing 0 at the prompts, and then key in your option when it says "In order to get you to an associate, you must make a valid selection", then press 1 ·

Online Banking/Bill Pay

877-768-9836
Toll-free · 24 hours, 7 days · Direct to Online Banking Bill Pay Dept, press nothing and wait for rep · BillPay - How may I assist you today? (Respond to the question.)

Home Loans

800-285-6000
Toll-free · Mon-Fri 8am-9pm EST · Press "0" at every prompt for Mortgage Department · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

Bankruptcy

800-669-5224
Toll-free · 24 hours, 7 days · This is the Bankruptcy Department, someone will answer usually within 5 minutes. No menu options · Loan Administration Bankruptcy Line - For the payment or correspondence address, Press 1, or hold for the next representative.

Fraud Reporting

877-366-1121
Toll-free · Mon-Fri 8am-9pm EST · Dial 0 until you get to a prompt where you have to choose an option for Bank of America Claims & Fraud. · Claims Services - Say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Credit Cards

800-421-2110
Toll-free · 24 hours, 7 days · Press 0 for the Credit Card Department · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

Mortgages

800-669-6607
Toll-free · 24 hours, 7 days · At voice prompts say "Customer Service" repeatedly · Please say or enter your account number

Mortgage Services

888-325-6435
Toll-free · 24 hours, 7 days · This # is a short cut for Making Home Affordable program for Bank Of America. (Re-Modification of a mortgage) · Please say or enter your account number

Home Retention

877-327-9225
Toll-free · 24 hours, 7 days · This is for Home Retention Department / Collections · Please say or enter your account number

Property Claims

800-669-6076
Toll-free · 24 hours, 7 days · Say "Representative" - will take you an insurance claims BOA representative · Property Claims Dept - If you have a claim check and you need the address to mail in a claim to get the process started, Press 1. To discuss a project or if you already have a claim started, Press 2. For all other calls, please hold online for the next representative.

Fraud Detection

877-833-5617
Toll-free · 24 hours, 7 days · Press 1 for English, then 4 on the next menu for future travel planning · Please say or enter the last 4 digits of either your ATM debit card, your Social Security card, or your tax ID.

International Customer Service

315-724-4022
Mon-Fri 8am-11pm, Sat-Sun 8am-8pm EST · Calling this Bank of America number should go right to a real human being · If this is an operator with an overseas collect call, yes, we will accept charges. To get started, say or enter your telephone access ID or number.

Customer Service

800-518-0479
Toll-free · Mon-Fri 9am-5pm EST · Calling this Bank of America number should go right to a real human being · Just hold online until a representative picks up

How do I get through the phone menu to a real live person?

GetHuman researchers routinely call this Bank of America phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press ** then 0 for credit card dept.
Here is how our research team describes the way the Bank of America phone system greets you: Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.
Below are some clips we've found from Bank of America's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to say or enter information

"Welcome to Bank of America. This call may be recorded. To get started, please say or enter your full account number, your Social Security number, or your telephone access ID now."
Excerpt from a call with Bank of America
Monday, September 16, 2024 5:40 PM

What are the hours and when should I call?

Bank of America operates the call center for this 800-732-9194 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 183 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Bank of America phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Bank of America staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Bank of America is Saturday. The most busy day to call is Monday, which averages 400% more phone calls by comparison. Again, this is based on a sample of 183 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Mon
Busiest
Tue
Wed
Thu
Fri
Sat
Quietest

The shortest wait on hold

We measured the shortest hold times to be on Tuesday. The longest wait in the queue on average occurs on Friday.

The best time to call

In summation, the best day to call Bank of America is Wednesday.

Why call this Bank of America number?

Below is a sample of recent calls to Bank of America, and their purpose. Are any of these similar to the reason you are trying to call?
Credit card inquiry: "I want to buy credit card connected my debit card."
- From a call lasting 2m 7s , Sep 16, 2024 5:40 PM
: ""
- From a call lasting 1m 38s , Aug 21, 2024 3:58 PM
: ""
- From a call lasting 1m 31s , Aug 19, 2024 5:20 PM
: ""
- From a call lasting 1m 50s , Aug 12, 2024 7:08 PM
: ""
- From a call lasting 1m 39s , Aug 1, 2024 1:26 AM

Calling this Bank of America Customer Number

Jan 10, 2024

I make it a habit to review my bank statement at the end of the day because I know that credit fraud is a real threat. A few years ago, my brother-in-law had his credit cards stolen, and it quickly turned into thousands of dollars of debt that it took him years to get off his credit profile. They used his credit profile to open more credit cards and it was an endless mess. After that, I keep a close eye on my cards so that if anything happens, I can take swift action. 

While no one stole my cards, I noticed one night that Petco double-charged me on an order I made for hamster food and the company refused to remove the charge even though I called them three times, and each time they said that they would. At this point, I decided the best thing to do was dispute the charge because Petco didn't seem to care. It honestly made me angry because if I hadn't watched my cards so closely, they would have double-charged me, and no one would have known.

Bank of America likely receives many phone calls from other customers who are worried about fraud or want to check on their savings and checking accounts. They also probably get a lot of phone calls from people with credit cards or people who want to apply. The same could be true of any loans that they offer. Therefore, I expected to be on hold for a while, and to be honest, I was somewhat on hold for a lengthy period. It took me almost 20 minutes before I was able to talk to an associate. 

When I called, a voice said, "Welcome to Bank of America. To get started please enter your telephone access ID, account, or social security number." I tried to enter my information, but then there was noise in the background, and nothing happened, so I tried speaking into the phone. It must have picked up that I was calling about a dispute because it said, "I hear you are calling about a dispute," and then gave me the following options, "If you are calling about a credit card purchase, press 1. If you are calling about interest on your card, press 2. If you are calling about fees on your card, press 3."

I pressed option one and was told again, "For your security, please enter or say your account number, social security number, or the telephone number associated with your account." This time, it took my entry, and then I was told that I could talk to an agent, but it would be a long wait, so I could use the Bank of America app to reach someone quicker if I liked. I continued to wait on hold for an associate, and about 20 minutes later, I was able to finally report the charge. 

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

Call with our super-powered phone

  • Click to call- even from your desktop
  • We dial and get a human for you
  • AI-powered suggestions of what to say
  • Keep a transcript and other stats
  • Free, unintrusive: no account needed
Was this page helpful?YesNeeds work
Sharing is what powers GetHuman's free customer service contact information and tools. You can help!