The main Bank of America credit card phone number is 1-800-435-7925

This is the toll-free line for all credit card questions, disputes, and account changes. The number works for both personal and business credit cards. You can call 24 hours a day, seven days a week.

When you call, have your card number ready — the system will ask for it to route you to the right department. If you don't have your card with you, you can provide your Social Security number instead. The call is free from any phone in the United States.

Wait times vary by time of day. Early morning (before 9 a.m. Eastern) and late evening (after 8 p.m. Eastern) tend to have shorter queues. Weekday afternoons are typically busiest.

Key Takeaways

  • Bank of America's credit card customer service line is 1-800-435-7925, available 24/7 at no charge.
  • Have your card number or Social Security number ready when you call so the system can route you correctly.
  • You can report a lost or stolen card, dispute a charge, make a payment, or change your account settings on this line.
  • If you are deaf or hard of hearing, use the TTY relay service by calling 1-800-695-1788.

What you can handle on the phone

The credit card line handles most account needs without requiring you to visit a branch or log into your online account. You can report a card as lost or stolen and request a replacement. The replacement card typically arrives within 7 to 10 business days.

You can also dispute a charge you don't recognize or believe is incorrect. The representative will ask for details about the transaction — the date, the merchant name, and the amount. Bank of America will then investigate and contact you with the result, usually within 10 business days.

Other common reasons to call include making a payment, requesting a credit limit increase, updating your address or phone number, setting up autopay, or asking about rewards redemption. You can also call to report fraud or suspicious activity on your account.

How to reach a live representative quickly

When you call 1-800-435-7925, the automated system will ask you to describe your reason for calling. Saying "dispute" or "fraud" typically routes you to a representative faster than other requests. If you say "representative" or "agent," the system will also connect you to a person rather than trying to resolve your issue through the automated menu.

If the wait is long, you have the option to request a callback. The system will ask for a phone number and a time window, and a representative will call you back instead of making you hold. This is useful during peak hours.

If you reach the wrong department, ask the representative to transfer you. They can usually do this without disconnecting you, though you may wait briefly on hold.

Alternative ways to reach Bank of America credit card support

If you prefer not to call, Bank of America offers other contact methods. You can message the company through its mobile app or website — go to your account settings and look for "Contact Us" or "Send a Message." Responses typically come within one business day.

You can also visit a Bank of America branch in person. Any branch can help with credit card questions, payment issues, or disputes. Bring your card or your account number with you.

For written correspondence, you can mail a letter to Bank of America's credit card department. The address appears on your monthly statement or on the back of your card. Mail takes longer than phone or in-person contact, so use this method only if you need a written record or cannot reach the phone line.

What to do if you cannot hear or speak

Bank of America provides a TTY relay service for customers who are deaf, hard of hearing, or have speech disabilities. Call 1-800-695-1788 to connect through the relay service, which will connect you to a credit card representative.

You can also use a video relay service (VRS) if your phone supports it. Ask your VRS provider to connect you to 1-800-435-7925. The relay service is free and available 24/7.

Preparing for your call

Before you call, gather the information you will need. Have your credit card number or the phone number associated with your account ready. If you are calling about a specific transaction, write down the date, merchant name, and amount.

If you are disputing a charge, note whether you authorized the transaction at all, or whether you authorized it but the amount is wrong. If you are reporting fraud, have any suspicious transactions listed. If you are calling about a payment, know your current balance and how much you want to pay.

Write down any account changes you want to make — a new address, a new phone number, or a new email for statements. Having this information ready means your call will be shorter and the representative can make changes when ready.

Common issues and what to expect

If you report a lost or stolen card, the representative will cancel it when ready and order a replacement. You will receive a temporary card number by email or text if you need to make purchases before the physical card arrives. Some Bank of America cards allow you to add the card to your phone's digital wallet within hours.

If you dispute a charge, the representative will create a case number. Write this down. Bank of America will remove the disputed amount from your balance while it investigates, which usually takes 10 business days. You will receive a letter with the outcome and an explanation.

If you call about a payment, the representative can process it when ready over the phone using your bank account or another card. Payments made by phone are typically posted to your account within one business day. You will receive a confirmation number.

Frequently Asked Questions

Can I dispute a charge over the phone?

Yes. Call 1-800-435-7925 and tell the representative the charge you want to dispute. They will ask for details about the transaction and create a case number. Bank of America will investigate and contact you with the result within 10 business days. You can also dispute charges through your online account or mobile app if you prefer.

What if I cannot reach a representative?

Try calling during off-peak hours — early morning or late evening. You can also request a callback through the automated system instead of waiting on hold. If the line is consistently busy, use the messaging feature in your online account or mobile app, or visit a branch in person.

Do I have to pay a fee to call this number?

No. The 1-800-435-7925 line is toll-free. You will not be charged for the call from any phone in the United States, including cell phones and landlines.

Can I make a payment on this line?

Yes. A representative can process a payment over the phone using your bank account or another card. The payment is typically posted within one business day. You will receive a confirmation number. You can also make payments through your online account, mobile app, or by mail.

What should I do if I think my card information was stolen?

Call 1-800-435-7925 when ready and report the suspected fraud. The representative will cancel your card and order a replacement. Bank of America will review your account for unauthorized charges. Any fraudulent transactions will be removed from your balance while the investigation takes place.