Bank of america phone customer service hours

This question is about Bank of America Credit Cards

People also ask

Does Bank of America have 24-hour credit card customer service?

Yes, Bank of America does have 24-hour credit card customer service for lost or stolen cards. To contact BofA’s live customer service representatives 24/7, call either (800) 732-9194 or the phone number listed on the back of your Bank of America credit card. You can also schedule an in-person or phone meeting with a Bank of America representative either online or through the mobile app. Finally, you can speak with a representative through Bank of America’s online chat function, which will appear as a blue and white speech bubble at the bottom left of their website.… read full answer

While each of these options work, your best bet most of the time is just to call (800) 732-9194 and wait until you connect with a BofA representative. Wait times generally aren’t too bad, and you’ll get guaranteed, quick service. Scheduling an appointment is great for people whose questions aren’t as urgent, as the specialists will be more prepared to answer your questions. Chat can be convenient when you’re just browsing on the BofA website, but it’s much more inconsistent since the chat option will only appear when agents are available.

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How can I apply for a Bank of America credit card?

The easiest way you can apply for a Bank of America credit card is online or by calling customer service at (866) 751-1257. Alternatively, you can apply in person, by visiting a Bank of America branch.

With any method, Bank of America credit card applicants need to provide their name, address, phone number, email, citizenship status, SSN or ITIN, country of residence and date of birth. Bank of America will also ask for financial information including your employment status, annual income, source of income, and monthly housing payment. It’s important to note that people who are applying with an ITIN will have to do so in person or over the phone.… read full answer

How to Apply for a Bank of America Credit Card

• Online: To apply for a Bank of America credit card online, visit their credit cards webpage. Choose the credit card you want to apply for by clicking on “Apply Now.” Enter the info required and submit your application.
• Over the phone: If you prefer to apply for a Bank of America credit card over the phone, call customer service at (866) 751-1257. When prompted, press “1” and you will be connected to a live representative.
• At a branch: Lastly, you can submit a credit card application in person, by visiting your nearest Bank of America branch.

When you complete a Bank of America credit card application, there are two additional options you can choose. The first is to transfer a balance to the card if you are approved. If you choose this option, you will need to provide the details for the account you are transferring a balance from and how much you want to transfer.

You also have the option to add an authorized user to the card. You will need to provide the user’s name, relationship to you, address, phone number and date of birth. Giving the user’s SSN is optional, but it’s a good idea to fill it in, as that may speed up the process of reporting the user to the credit bureaus.

What to Expect After You Submit a Bank of America Credit Card Application

After you submit a Bank of America credit card application, you may receive an instant decision, but it usually take two business days. According to customer service, in extremely rare cases it could take up to 30 days to find out if you’re approved or denied.

If you are approved for the card, it should arrive within 10 business days. You can call customer service at (855) 307-3887 and ask for expedited delivery (1 to 3 business days), but there may be a fee.

Finally, keep in mind that by submitting your application, you give Bank of America permission to do a hard pull of your credit report, which will temporarily drop your credit score by a few points.

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What are my Bank of America credit card approval odds?

Your Bank of America credit card approval odds are best if you have a credit score of 750 or higher. Most Bank of America credit cards require excellent credit for approval. You can also check for Bank of America pre-approval to get a better sense of your BofA credit card approval odds.… read full answer

The Bank of America credit card with the highest approval odds is the Bank of America Custom Cash Secured Card, which you can get with bad credit. If you're in college, there's a very good chance you'll be approved for one of the Bank of America student cards.

Here's what you need for good Bank of America credit card approval odds:

• Bank of America Custom Cash Secured Card: $200 minimum security deposit, bad credit accepted.
• BankAmericard® Credit Card for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Cash Rewards for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Travel Rewards for Students: Fair credit or limited, enrollment in a college or university.
• Bank of America Customized Cash Rewards credit card: Excellent credit
• Bank of America Travel Rewards credit card: Excellent credit
• Bank of America Premium Rewards credit card: Excellent credit
• BankAmericard credit card: Excellent credit

In general, your chances of being approved for a Bank of America credit card depend on your credit standing, income and debt, as well as which card you apply for.

Bank of America will also consider things like your employment status and how many credit accounts you have open. All applicants need to be at least 18 years old and U.S. residents. Non-resident aliens are eligible for certain credit card offers at local Bank of America financial centers.

How to increase your Bank of America credit card approval odds:

• Always pay your bills on time.
• Keep your credit utilization at 30% or less.
• Improve your credit score.

If you have your sights set on a card, make sure you know where you stand before applying. You can check your score for free, right here on WalletHub.

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