Bank of America's main credit card customer service line is 1-800-432-1000
Call this number to report fraud, ask about your account, dispute a charge, request a credit limit increase, or discuss your rewards. The line is open 24 hours a day, seven days a week. You will need your card number or the phone number associated with your account to verify your identity.
Bank of America also operates a separate line for customers who are deaf or hard of hearing: 1-800-833-6262 (TTY). This line uses relay services and operates during the same hours as the main line.
Wait times vary by time of day and call volume. Early morning and weekday calls typically have shorter waits than evening or weekend calls. If you are calling about fraud, you may reach a representative faster than for routine inquiries.
Key Takeaways
- The main Bank of America credit card customer service number is 1-800-432-1000, available 24/7.
- Have your card number or account phone number ready before you call to speed up verification.
- Bank of America offers a TTY line at 1-800-833-6262 for customers who are deaf or hard of hearing.
- You can also reach customer service through your online account, the mobile app, or by visiting a local branch.
- Fraud reports and account disputes are often prioritized over other inquiries.
What you can handle by phone
The phone line handles most credit card issues. You can report a lost or stolen card, dispute unauthorized charges, ask about pending transactions, request a replacement card, change your PIN, update your address or phone number, and discuss your account balance or payment options.
You can also call to ask about your rewards balance, redeem points, request a credit limit change, or discuss your interest rate. If you carry a balance and want to talk about payment plans or hardship options, customer service can walk you through what Bank of America offers.
Some requests — like explore for a new card or opening a new account — are faster online or in a branch, but customer service can answer questions about those products before you commit.
Other ways to reach Bank of America
If you prefer not to call, you can message Bank of America through your online account or the mobile app. Log in, look for the "Contact Us" or messaging option, and send a message. Response times are usually one to two business days, though urgent issues like fraud may be handled faster.
You can also visit a Bank of America branch in person. Bring your card and a photo ID. Branch staff can handle most routine requests, though they may need to transfer you to a specialist for complex disputes or account changes.
Bank of America's website has a chat feature during business hours (typically 8 a.m. to 8 p.m. Eastern time, Monday through Friday). This is useful for quick questions that do not require account verification, like how to reset your online password or where to find your statement.
What to have ready before you call
Gather your card number or the phone number linked to your account. If you are calling about a specific charge or transaction, have the date and amount ready. For fraud disputes, have any documentation of the unauthorized charge — a statement, email confirmation, or screenshot.
If you are calling about a payment or account change, have your current address and phone number available. For credit limit requests, Bank of America may ask about your income or employment, so having that information nearby can speed up the call.
If you are calling from a phone number different from the one on your account, verification may take longer. Using the phone number associated with your account can reduce wait time.
Fraud and urgent issues
If your card has been lost, stolen, or used fraudulently, call 1-800-432-1000 when ready. Bank of America can freeze your account within minutes. You do not need to wait for a statement to arrive or for a charge to post — call as soon as you notice the card is missing or see an unauthorized charge.
When you report fraud, have the specific transactions ready if you can. Tell the representative the date, merchant name, and amount. Bank of America will typically reverse unauthorized charges while they investigate, though the process can take 10 business days or longer depending on the merchant and the type of fraud.
If you are in a dispute with a merchant and the charge appears on your statement, you can also dispute it through your online account or by calling. The process is the same whether you call or dispute online, but calling lets you explain the situation to a person when ready.
Account access and technical issues
If you cannot log into your online account or mobile app, call 1-800-432-1000. Customer service can help you reset your password, unlock your account if it has been locked due to failed login attempts, or troubleshoot app problems.
If you have forgotten your PIN or need to change it, you can do this through the app or online account without calling. Go to your card settings and look for "PIN" or "Security." If you cannot find it or the online option is not working, customer service can walk you through it by phone.
For problems with payments — a payment that did not go through, a payment you need to cancel, or a payment you want to schedule — customer service can usually resolve these in one call.
Frequently Asked Questions
Do I have to call to dispute a charge?
No. You can dispute a charge through your online account or mobile app by finding the transaction and selecting "Dispute This Charge." You can also call 1-800-432-1000 to dispute by phone. Both methods start the same investigation process, though calling lets you explain the situation when ready rather than waiting for a response.
What if I am calling from outside the United States?
International calls to 1-800-432-1000 may incur long-distance charges depending on your phone plan. Bank of America does not have a separate international number, but you can message through your online account or app to avoid the call cost. Some countries have local Bank of America numbers — check your statement or the back of your card for region-specific contact information.
How long does it take to speak to a representative?
Wait times vary. Fraud reports and account lockouts are usually prioritized and may connect you within a few minutes. Routine inquiries like balance checks or rewards questions may have longer waits during peak hours (lunch time and early evening on weekdays). Calling early morning or late evening typically results in shorter waits.
Can I request a specific representative or callback?
Bank of America does not offer callback scheduling through the main line. You call and wait, or you can message through your online account and receive a response within one to two business days. If you need to speak to someone urgently, calling during off-peak hours (early morning or late night) usually results in a faster connection.
What if I disagree with the outcome of my dispute?
If Bank of America's investigation concludes that a charge was authorized or valid, you can request an escalation or ask to speak with a supervisor. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) if you believe the investigation was unfair. The CFPB has a free online complaint tool at consumerfinance.gov.