How can I find out the status of my credit card application?
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If you applied for a Bank of America credit card online, check your application status online.
You can check the status of your Bank of America credit card application by calling us at 1.800.242.5722.
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Can I link my credit card to my Bank of America checking or savings account?
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Yes, you can link your Bank of America credit card and checking or savings account for Automatic Payment service to pay your monthly credit card bill automatically. You can also link your Bank of America credit card to your Bank of America checking account for overdraft protection to protect yourself against insufficient funds. Just visit a Bank of America banking centers and they will be glad to assist you.
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How soon after I'm approved will I receive my card?
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You will receive your card within 10 business days upon approval.
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What is an annual percentage rate (APR)?
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The cost of credit on a yearly basis expressed as a percentage. It reflects interest rate plus any finance charges.
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What is a periodic rate?
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A rate of finance charge that is or may be imposed by a creditor on a balance for a day, week, month or any subdivision of a year.
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What is a prime rate?
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The interest rate that banks charge to their most creditworthy customers on short-term loans.The Wall Street Journal's published prime rate is often used as the index in a variable credit line.
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What is the difference between a secured card and a prepaid card?
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A secured credit card requires you to open a savings account that determines the amount of credit you have on your secured credit card. This savings account deposit earns interest and must remain in your account as long as you have your secured credit card account open. You must make your minimum required monthly payments before the due date since the savings account does not cover your monthly payment.
A prepaid card also requires a cash payment in advance, but instead of serving as a guarantee for your credit amount the cash payment amount (or value) is stored on the prepaid card. Each transaction amount is subtracted from the prepaid or stored value amount on your card as you make purchases.
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How can I make a payment to my credit card?
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You have several options to make a payment to your credit card bill:
If you have a Bank of America checking and/or savings accounts, you can log into Online Banking to make a single payment via transfer funds. For even more convenience, Online Banking also allows you to set up automatic payments. Please note that Online Banking is available in English only.
You can mail your payment to:
Bank of America
PO Box 53132
Phoenix, AZ 85072
In addition, you can make payments at any Bank of America banking center.
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How can I get a copy of my credit card statement?
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You can request a copy of your credit card account statement by contacting Bank of America at 1.800.200.7119
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How can I check my credit card account?
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You can view your credit card account information through Online Banking (available in English only), or you can contact Bank of America at 1.800.200.7119.
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How can I change my address or phone number?
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Follow the instructions on the back of your statement to change your address or phone number by mail. You also can change your address, phone number and your e-mail address online through the customer service menu in Online Banking (available in English only).
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When can I expect my address or phone number to be updated?
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Generally, you can expect to have your information updated within 24 hours from the time when you submit your request.
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What if I think my credit card number is being fraudulently used or if my card gets lost or stolen?
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Many times a single unauthorized charge is found to be a merchant error. Simply contacting the merchant can resolve the error quickly. However, if you think your credit card number is being fraudulently used please call customer service at 1.800.848.6090 as soon as possible. For international calls, call collect 1.757.677.4701. We'll cancel your card and issue a replacement immediately. You won't be liable for any unauthorized purchases or withdrawals from your account when you notify us promptly. If it is found that previous transactions were also fraudulent, you will not be liable for any of those purchases.
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