Bank of America Credit Cards Phone Number

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What It's Like to Call Bank of America Phone Number 800-421-2110

By Adam Goldkamp

Jan 17, 2024

Sometimes I check my debit card transactions, and sometimes I don't depending on how busy I am. However, I happened to have some downtime while my daughter was in gymnastics, so I took the time to scroll through my phone and realized that Petco charged me three times for the same bag of hamster food when I ordered it online. This was obviously an issue so I called Petco to deal with it, but quickly found out they have terrible customer service. Fast forward a week and I still had no luck getting the issue resolved. 

Therefore, I figured that I would call Bank of America and report the transaction, but had a bit of an uphill battle there as well. I called this number first which I found using a Google search, and a voice recording said, "We’re sorry you have reached a number that is no longer working." I tried calling again and got the same message so I had to return to Google once more. This time, I found this number, 877-366-1121 which did go through. Now I know that Bank of America probably gets a lot of phone calls as a major bank, but it took some time to get to a menu that could actually help me. 

First, the automated agent asked half a dozen times for my bank account number, but I wasn't going to say it over the phone in a public place (I was on the commuter rail), so I kept saying I didn't have it. Finally, I switched to saying I wanted to file a claim and that seemed to trigger something within the system to let me get onto the next step. Instead of repeating that it needed my access ID or account number, it said, "Okay, are you calling about a new claim? For the status of an existing claim, or something else?"

Once I said new claim, it gave me a list of options including ATM charges, debit card, check, fee, Zelle, and electronic funds transfers. I chose debit card transactions, and it asked me whether I contacted the merchant yet or not. I had already, so I answered yes and the system sent me to a wait line. It took about 5 minutes to get to an agent, and it wasn't that rough because the hold music was upbeat piano music which sure beats the barking dogs and ribbiting frogs over at Petco! The agent was helpful and could see the charges were duplicated, so they helped me get the pending authorizations removed. 

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.

Bank of America's 800-421-2110 Credit Cards Number

This Bank of America phone number is ranked #9 out of 16 because 420,030 Bank of America customers tried our tools and information and gave us feedback after they called. The reason customers call 800-421-2110 is to reach the Bank of America Credit Cards department for problems like Report Fraud, Card Declined, Account Access, Dispute a Charge, Missing Payment. As far as we can tell, Bank of America has call center locations in Massachusetts or Arizona or Florida and you can call during their open hours 24 hours, 7 days. Bank of America has 16 phone numbers and 21 different ways to get customer help. We've compiled information about 800-421-2110 and ways to call or contact Bank of America with help from customers like yourself. Please help us continue to grow and improve this information and these tools by sharing with people you know who might find it useful.

Calling Bank of America

Calling Bank of America at this number should be pretty straightforward. Also important is what you do once you call, or what your other phone number options are. Unfortunately, our call-you-back tool is not available for 800-421-2110. For companies that we support, we call for you, press the right buttons to get through the phone menus, wait on hold, and call you back when Bank of America Credit Cards agents can talk. It's not available here, but keep an eye out for it when future customer service issues arise with companies other than Bank of America Once on the phone with Bank of America's Credit Cards department, you may need to provide them with information that identifies you as a customer, like your full name (or name on the account), email address, phone number, or an account number. It's usually worthwhile to gather this information before you call.

Contacting Bank of America in General

While 800-421-2110 is Bank of America's #9 most popular phone number, it's not the only way to get a hold of their customer care team. You already know from reading above that 800-432-1000 is their best customer phone number overall, and we have put together a comparison of their 21 total ways to contact support for you to look at as well. One thing to keep in mind as you try to reach Bank of America help by calling them, is that other customers give their customer support at this number a 75% score for their communication skills and a 59% score for the overall help they received. That could be indicative of their abilities to help you resolve your problem overall, regardless of whether or not you call this number.

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