The main Bank of America credit card payment phone number
Call 1-800-435-7000 to make a credit card payment to Bank of America over the phone. This is the general customer service line for Bank of America credit cards. When you call, you will reach an automated system that can process your payment immediately, or you can stay on the line to speak with a representative.
The automated system accepts payments 24 hours a day, 7 days a week. If you choose to speak with someone, customer service representatives are available during business hours, which vary by time zone but generally run from early morning through evening on weekdays and Saturday.
Have your credit card number, routing information, and the amount you want to pay ready before you call. The system will ask you to confirm these details before processing the payment.
Key Takeaways
- Bank of America credit card payments by phone go through 1-800-435-7000, available 24/7 for automated payments.
- Automated phone payments process immediately, but you can also wait to speak with a representative during business hours.
- You will need your card number and bank account information ready when you call.
- Payments made by phone typically post to your account within one business day.
- Bank of America also offers online and mobile app payment options if you prefer not to call.
What information you need before calling
Gather these details before you dial so the call moves quickly. You will need your Bank of America credit card number, the amount you want to pay, and the bank account or payment method you are paying from.
If you are paying from a checking or savings account, have your routing number and account number ready. If you are paying from another credit card or debit card, have that card number available. The system will also ask for a phone number where Bank of America can reach you if there is a problem with the payment.
How the automated payment system works
When you call 1-800-435-7000, the automated system will walk you through a series of prompts. It will ask you to enter your card number using your phone keypad, then confirm the amount you want to pay and the account you are paying from.
The system will read back the details to you before finalizing the payment. You can cancel at any point before confirmation. Once you confirm, the payment is submitted immediately, and you will receive a confirmation number. Write down this number for your records.
The entire process usually takes 5 to 10 minutes if you use the automated system. If you need to speak with a representative, wait times vary depending on call volume.
When your payment will show up
Payments made by phone typically post to your Bank of America credit card account within one business day. If you call on a weekend or holiday, the payment may not post until the next business day.
The payment deadline for your credit card is set by your billing cycle. Calling to make a payment does not change your due date. If your payment is due on a specific day and you are cutting it close, confirm with the representative or automated system that your payment will post in time to avoid a late fee.
Alternative ways to pay if you cannot call
Bank of America offers several other payment methods if calling is not convenient. You can pay online through your Bank of America account, use the mobile app, set up automatic payments, or mail a check to the address on your statement.
Online and mobile app payments also process within one business day and are available 24/7. Automatic payments let you schedule recurring payments on a date you choose each month, which can help you avoid missing a due date.
What to do if you have trouble making a payment
If the automated system rejects your payment, it is usually because the account information you entered does not match what Bank of America has on file. Hang up and try again, making sure you enter your information exactly as it appears in your records.
If the system continues to reject your payment, call back and select the option to speak with a representative. They can troubleshoot the issue, update your account information if needed, and process the payment manually. This may take longer but will resolve most problems.
If you are having trouble affording your payment, a representative can discuss options like a payment plan or hardship program. These conversations are separate from making a one-time payment.
Frequently Asked Questions
Is there a fee to pay by phone?
Bank of America does not charge a fee for credit card payments made by phone to your own Bank of America account. If you are paying from an account at another bank, check with that bank to see if they charge a fee for outgoing transfers.
Can I pay someone else's Bank of America credit card by phone?
No. You can only pay a credit card account if your name is on the account or you are an authorized user. If you need to make a payment on someone else's account, that person must call or set up a payment arrangement themselves.
What if I call after my payment is already late?
You can still make a payment by phone at any time. A late payment fee may have already been added to your account, but paying immediately stops additional interest from building up. Contact Bank of America to ask about waiving the late fee if this is your first late payment.
Can I set up a recurring payment over the phone?
The automated phone system processes one-time payments only. To set up automatic recurring payments, use your Bank of America online account or mobile app, or call and speak with a representative who can set it up for you.
How do I know if my payment went through?
The automated system provides a confirmation number at the end of the call. Write this down. You can also log into your Bank of America account online or through the app to see the payment status within a few hours of calling.