Bank of America Credit Customer Service

Phone Number & Contact Info

Bank of America Credit's Best Phone Number

800-732-9194
Toll-free·Calls Credit Card Customer Service·Most popular Bank of America Credit number
Q:

How do I talk to a live human at Bank of America Credit?

A:When asked for your account number or SS number, press 0 (you will be asked several times). Keep pressing 0. Next, say "Representative". At the next menu, you have to choose an option, or the call will hang up.
Q:

Does Bank of America Credit offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Friday.
Q:

How long will I wait on hold?

A:The average hold time is 89 minutes. The longest hold times are on Monday, and the shortest are on Friday. How is this calculated?

Bank of America Credit Customer Phone Numbers

Billing Customer Service

800-266-0212
Toll-free · Mon-Fri 8am-9pm, Sat 8am-8pm, Sun 8am-5pm EST · Direct to a human · Please state your name after the tone, and Google Voice will try to connect you.

Credit Card Activation

800-276-9939
Toll-free · 24 hours, 7 days · Direct to a human · To activate your new credit card only, I will send a text to your mobile number to verify it's you. Would you like me to send a text now?

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

GetHuman researchers routinely call this Bank of America Credit 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: When asked for your account number or SS number, press 0 (you will be asked several times). Keep pressing 0. Next, say "Representative". At the next menu, you have to choose an option, or the call will hang up.
Here is how our research team describes the way the Bank of America Credit phone system greets you: Please say or enter the last 4 digits of either your account number or your Social Security number.
Below are some clips we've found from Bank of America Credit'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 Credit
Wednesday, May 22, 2024 3:28 PM

What are the hours and when should I call?

Bank of America Credit 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 Monday. This observation and the following section are based on analysis of a sample set of 152 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 Credit 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 Credit 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 Credit is Sunday. The most busy day to call is Friday, which averages 209% more phone calls by comparison. Again, this is based on a sample of 152 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Fri
Busiest
Sat

The shortest wait on hold

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

The best time to call Bank of America Credit

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

Why Customers Call Bank of America Credit

If you have time to do a bit of reading before you call Bank of America Credit, we recommend you read over some of our problem-specific articles.

What are the eligibility requirements for a Bank of America credit card?

To be eligible for a Bank of America credit card, you must meet certain requirements. First and foremost, you must be at least 18 years old and a U.S. citizen or permanent resident. Additionally, you should have a valid Social Security number and a stable source of income. Bank of America also considers your credit history, as they typically look for applicants with good to excellent credit scores. However, they do offer credit cards specifically designed for individuals with limited or no credit history. It's worth noting that Bank of America may also consider other factors such as your debt-to-income ratio and any existing accounts with them. Meeting these eligibility criteria increases your chances of successfully obtaining a Bank of America credit card.

What is the interest rate on Bank of America credit cards?

The interest rates on Bank of America credit cards vary depending on different factors such as the specific credit card, individual creditworthiness, and prevailing market rates. Bank of America offers a range of credit cards, each with its own set of terms and conditions. These cards may have introductory periods with low or 0% APR for purchases or balance transfers, after which the rates typically revert to the standard variable APR. To find the specific interest rates, customers can visit the Bank of America website or contact customer service. It is advisable for individuals to compare different credit card options, review the terms, and determine which card best suits their needs and financial goals.

What is the late payment fee for Bank of America credit cards?

The late payment fee for Bank of America credit cards varies depending on the cardholder's account terms. However, as of the time of writing, the late payment fee typically ranges from $29 to $40. It is important to note that this fee is subject to change, so it's advised to refer to the specific terms and conditions of your credit card agreement to determine the exact amount. To avoid incurring this fee, it is recommended to make payments on time or set up automatic payments or reminders. Regularly reviewing your account statements and contacting Bank of America for any payment issues will also help ensure timely payment and avoid any unnecessary charges.

Top Bank of America Credit customer service problems

Click the link above to get answers to just about any Bank of America Credit customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Bank of America Credit, and their purpose. Are any of these similar to the reason you are trying to call?
Card application error: "I made a mistake on my credit card application."
- From a call lasting 6m 14s , May 22, 2024 3:28 PM

More Bank of America Credit Customer Service Contacts

There are of course other ways to contact Bank of America Credit customer service besides the phone. Below we list the best ones, by medium.

Bank of America Credit Customer Service on X (formerly Twitter)

@BofA_Help - Customer Service
Use the link to connect with customer service through Twitter
Bank of America Credit, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Bank of America Credit Customer Service on Facebook / Messenger

facebook.com/BankofAmerica - Customer Service
Use this link to connect with customer service through Facebook
Some customer service teams, like that of Bank of America Credit, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.

Bank of America Credit Customer Help Desk / Web Support

bankofamerica.com - Customer Service
Use this link to find customer service help through their website
As a last, sometimes only, resort- Bank of America Credit customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Bank of America Credit's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Bank of America Credit agent. This phone number is Bank of America Credit's best phone number because 714 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-732-9194 include Setup an account, Question, Complaint, Lower my rate and other customer service issues. Rather than trying to call Bank of America Credit first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or facebook or twitter. In total, Bank of America Credit has 3 phone numbers. It's not always clear what is the best way to talk to Bank of America Credit representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Bank of America Credit. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Bank of America Credit. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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