Bank of America's main credit card customer service number is 1-800-432-1000
That number works for questions about your Bank of America credit card account, rewards, billing, fraud, or lost cards. You can call it 24 hours a day, seven days a week. When you call, have your card number or the phone number associated with your account ready — the system will ask for one or the other to pull up your information.
If you are already logged into your Bank of America online account or mobile app, you can also start a chat or send a find message without calling. The wait time for chat is often shorter than the phone queue, especially during business hours.
Key Takeaways
- Bank of America credit card customer service is available at 1-800-432-1000, open 24 hours every day.
- You can reach support through phone, online chat, find messaging, or by visiting a branch in person.
- Have your card number or account phone number ready before calling to speed up the process.
- For fraud or a lost card, the phone line will route you to a specialist team faster than other channels.
- Response times for find messages and chat vary, but chat typically connects within a few minutes during daytime hours.
What you can handle by phone versus online
The phone line is fastest for urgent issues: a lost or stolen card, fraud on your account, or a payment problem that needs when ready attention. The representative can freeze your card on the spot and issue a replacement. They can also walk you through disputing a fraudulent charge in real time.
For questions that are not time-sensitive — how a rewards program works, why a charge posted, what your credit limit is, or how to change your address — online chat or find messaging often gets you an answer without waiting on hold. find messages typically receive a response within 24 hours on business days.
Using Bank of America's website or app to contact support
Log into your account at bankofamerica.com or open the Bank of America mobile app. Look for "Contact Us" or a chat icon (usually in the bottom right corner of the website). You can start a conversation without leaving your account, and the representative will already see your account details.
If you prefer to write rather than talk, use the find message feature. Go to "Settings" or "Messages" in your account and compose a message to customer service. This creates a record of your question and the answer, which is useful if you need to refer back to it later.
Reaching Bank of America by mail or in person
You can mail a letter to Bank of America's credit card customer service address, which appears on your monthly statement. Mail is the slowest option — expect a response in one to two weeks — but it is useful if you need to send documents or prefer a written record.
If you have a Bank of America branch near you, you can also visit in person. A banker can look up your account and help with many routine questions, though they may need to transfer you to a phone specialist for complex issues like fraud disputes.
What information to have ready before you call
Gather these details before dialing: your credit card number, the phone number on file with your account, your date of birth, and the last four digits of your Social Security number. The automated system will ask for at least one of these to verify your identity before connecting you to a representative.
If you are calling about a specific charge or transaction, have the date and amount ready. If you are disputing fraud, write down the dates and amounts of the charges you did not recognize. If you are calling about a payment, know whether you paid online, by phone, or by mail, and when you sent it.
Handling wait times and call quality
Wait times are longest on Monday mornings and shortest on weekday afternoons after 2 p.m. If you call early in the morning or late in the evening, you may wait 10 to 20 minutes. If you call on a weekend, waits are usually shorter but you may reach a smaller team.
If you are on hold for more than 15 minutes, you can ask the automated system to call you back instead of waiting. Provide a phone number where you can be reached, and Bank of America will call you when a representative is available. This lets you hang up and do other things instead of holding.
Frequently Asked Questions
Is there a different number for fraud or a lost card?
No — call the main number 1-800-432-1000 and tell the automated system or the first representative that you need to report fraud or a lost card. You will be routed to the right team. Fraud cases move to the front of the queue, so you will not wait as long as you would for a billing question.
Can I reach customer service outside the United States?
Yes, but you may be charged international calling rates by your phone provider. Bank of America's website lists international phone numbers for different countries. If you are traveling, using the online chat or find messaging feature (if your account is set up for it) may be cheaper than calling.
What if I cannot reach anyone by phone?
Try the online chat feature first — it usually has a shorter wait. If chat is not available, send a find message and check back in 24 hours. You can also visit a Bank of America branch in person, or call back during afternoon hours on a weekday when the queue is typically shorter.
Do I need to be a Bank of America customer to call this number?
You need to have a Bank of America credit card account. If you are calling about a card you do not yet have, you will need to contact the sales line or explore online instead. The customer service number is only for existing cardholders.