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Contact UsHave a question? Your satisfaction is important to us. Within our site, we provide answers to Frequently Asked Questions about the Bank of America Merrill Lynch Visa® Reward Card. However, we realize there may be areas of interest or concern that are not covered in our Frequently Asked Questions, so you can contact us. Contact InformationTelephone:Call Bank of America Merrill Lynch Cardholder Services toll free 24 hours a day, 7 days a week at: 1.866.300.8288 for Customer Service including activation of your card. Note: The toll free “866” numbers are only accessible from within the U.S. 1.423.262.1626 for Customer Service outside of the U.S. Written Correspondence:Bank of America Cardholder ServicesPO Box 8488, Gray, TN 37615-8488 Email:Email us at [email protected] with any questions or comments. Please include your name, full address, and last 10 digits of the Reward Card number. Transaction Inquiries:In case of errors or questions about the Reward Card transactions, call 1.866.300.8288 or write to: Bank of America Cardholder Services, P.O. Box 8488, Gray, TN 37615-8488 Powered by Visa Debit Processing Service This question is about Bank of America Credit Cards @WalletHub • 05/27/22 This answer was first published on 08/16/18 and it was last updated on 05/27/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and
user-generated content is not provided, reviewed or endorsed by any company. The Bank of America credit card customer service phone number is (800) 732-9194. To speak with a live Bank of America credit card customer service representative, enter the last four digits of your SSN or account number, then
press 0 to skip the intro menu, and say “Service” when asked to describe your reason for calling. Say “Service” again if asked twice, then press “4,” and you’ll get to a live person. The standard menu options when calling Bank of America credit card customer service are: If you don’t press anything after entering your
account info, the automated system will list the most recent payment received, balance activity, available credit for purchases and cash advances, and rewards balance. fers for new credit cards or balance transfers will be listed as well. Press 0 at any time to skip this info. Live customer service is available 24/7 for lost or stolen credit cards. Automated customer service is available 24/7 for existing Bank of America credit card accounts. As you can see, there are several ways to get in touch with Bank of America for credit card customer service. You can also access FAQs through BofA’s mobile app. And BofA tends to score high in customer satisfaction, so it’s likely you’ll have a positive experience. Answer Question People also askIs it better to pay off your credit card or keep a balance?It’s better to pay off your credit card than to keep a balance. It's best to pay a credit card balance in full because credit card companies charge interest when you don’t pay your bill in full every month. Depending on your credit score, which dictates your credit card options, you can expect to pay an extra … read full answer9% to 25%+ on a balance that you keep for a year. For example, if you spent $100 on a card with a 15% purchase APR, you would owe $115 at the end of a year. A good APR is anything below 18%, as that’s roughly the average for new card offers. And even that’s not very low. Plus, most credit cards have a grace period, which means if you pay off your full balance every month before the due date, you won’t have to pay interest. But you lose the grace period if you don’t pay in full one month, and you’ll have to pay your entire balance for two consecutive billing cycles to get it back. Some people think you need to carry a balance in order to see positive information on your credit report, but that’s simply not true. You don’t even need to use your credit card to build credit. Simply keeping an account open and in good standing is enough to affect your score for the better. Using your card regularly helps because having a credit utilization ratio between 1% and 10% is slightly better for your credit score than 0%. But credit utilization is based on your statement balance, and your monthly statement comes before the due date. So you can still pay your bill in full every month while doing right by your credit score. In fact, you should pay in full whenever possible. Of course, it’s a different story if you’re using a 0% credit card. During the 0% APR introductory period, your balance – whether from a purchase or balance transfer – won’t accrue interest as long as you pay the minimum amount required by the due date each month. But if you don’t pay in full by the end of the 0% period, interest will come into play. Here’s why it’s better to pay off your card than to carry a balance:
So, to recap, it’s better to pay off your credit card than to carry a balance because it builds your credit history just as well without subjecting you to interest charges. And remember, not carrying a balance does not mean you have to stop using your credit card. There is a middle ground. A balance will be listed on your credit card statement whenever you make purchases, but if you pay that amount by the due date, you won’t really be carrying a balance. If you’ve got some credit card debt you’d like to get rid of, a 0% balance transfer credit card could help you save a lot of time and money. And if you’re trying to improve your credit, WalletHub’s free daily credit scores and credit analysis can will get you on track. show less Does anyone have advice on when to pay a credit card?The best time to pay a credit card bill is a few days before the due date, which is listed on the monthly statement. Paying at least the minimum amount required by the due date keeps the account in good standing and is the key to building a good or excellent credit score. That’s true for everyone, but some people might want to take things a step further, particularly cardholders carrying balances from month to month and people with high credit utilization.… read full answer If you have a credit card balance that you carry from month to month, it’s best to pay that credit card’s bill as soon as the monthly account statement becomes available. This will save you money on interest. Paying the card’s monthly bill in full for two consecutive months will also reduce your interest charges by reinstituting your account’s grace period. Instead of purchases beginning to accrue daily interest charges right after you make them, you will have a window between when your monthly statement becomes available and when your bill is due to pay with no interest. If the balance listed on your monthly credit card statements consistently equals more than 30% of the card’s credit limit, consider paying your bill multiple times per month. Paying once in the middle of the month and again before the due date will reduce the balance listed on your statement. That, in turn, will lower your credit utilization, which should help your credit score. Here’s a quick example: You have a credit card with a limit of $1,000. You charge $500 to it, using up 50% of your credit. Then, you make a payment of $300 before the billing period closes and your statement is generated. That brings your statement balance to $200 and your utilization to 20%. Paying off the final $200 before the due date then keeps your account in good standing. Here’s when to pay a credit card:
It’s a good idea to set up automatic payments with your credit card issuer so you don’t have to worry about when to pay your credit card bill. Doing so will automatically make a payment from a linked bank account every month on the due date, or a day of your choice before that. You can’t be marked late unless your account has insufficient funds. And even with automatic payments set up, you can still make additional payments any time you want. show less WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. Did we answer your question? Sorry! How can we improve this answer? Does Bank of America have 24/7 customer service?For lost or stolen credit cards call phone number for lost or stolen credit cards 800.732. 9194. Customer service for lost or stolen cards is available 24 hours a day, 7 days a week. If you're calling from outside the U.S., please use the international 800 access code from your country of origin.
How do I talk to Bank of America customer service?Contact us. Contact us.. Schedule an appointment.. Schedule an appointment.. Call us.. Phone number:844.375.7028.. How do I check the balance on my Bank of America Visa card?How to Check Your Bank of America Credit Card Balance. Online: Log in to your Bank of America account and click on your card to see its balance. Phone: Call (800) 732-9194 and follow the prompts to have the automated system read your current balance. App: Log in to the Bank of America app.
Can I pay Bank of America credit card by phone?Call 800.236. 6497. There is no fee to make a payment by phone.
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