Bank of America Credit Cards Phone Number

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"

What It's Like to Call Bank of America Phone Number 800-732-9194

By Adam Goldkamp

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.

Bank of America's 800-732-9194 Credit Cards Number

This Bank of America phone number is ranked #7 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 800-732-9194 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 800-732-9194 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 800-732-9194. 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 800-732-9194 is Bank of America's #7 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 76% score for their communication skills and a 33% 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.

Other Bank of America Info

More Company Phone Numbers