Bank of America Credit Cards

Phone Number & Getting a Rep

Bank of America Credit Cards number

800-421-2110
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 0 for the Credit Card Department
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 Thursday, and the most busy day is Tuesday. 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 14 minutes. The longest hold times are on Monday, and the shortest are on Friday.

All Bank of America customer service contact information

This is the #9 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.

Credit Cards

800-732-9194
Toll-free · 24 hours, 7 days · Press ** then 0 for credit card dept. · Please say or enter the last 4 digits of either your account number or your Social Security card or tax ID.

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.

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 0 for the Credit Card Department
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 need the phone number on your account

"I didn't understand. Let's try this another way. To confirm your identity, you can respond to a message on your mobile device If you need time to get your mobile device, say, wait a moment. If you don't have a mobile device, say I don't have one.
Otherwise, let's continue.
I didn't understand. Starting with the area code, please say or enter your ten digit mobile number now."
Excerpt from a call with Bank of America
Thursday, April 18, 2024 3:29 AM

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
Saturday, April 13, 2024 1:05 PM

What are the hours and when should I call?

Bank of America operates the call center for this 800-421-2110 phone number 24 hours, 7 days. The short answer is that you should call on a Thursday. This observation and the following section are based on analysis of a sample set of 70,005 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 Thursday. The most busy day to call is Tuesday. Again, this is based on a sample of 70,005 calls made with our AI-powered, web-based phone in the last 90 days.

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

In summation, the best day to call Bank of America is Thursday. This is not the day with the shortest wait on hold in the phone system, but we still recommend it for its ideal combination of low call volume and short hold times. Plus we believe that Bank of America staffs the call center well on Thursday.

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?
Clarification on automatic payments: "Do I have an ongoing billing that is due to Bank of America?"
- From a call lasting 14m 55s , Apr 18, 2024 3:29 AM

Calling this Bank of America Customer Number

Adam Goldkamp is the editor / author responsible for this content.
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.

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