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Credit Card Account Information FAQs

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Can I manage my Bank of America® credit card account using my mobile device?How do I request a credit line increase?Can I access my Bank of America® credit card account information online?Can I get information on my credit card account through Text Banking?When will I receive my credit card?How do I request a new/replacement credit card?What do I do if my credit card expires?What's an annual percentage rate (APR)?What's an interest charge, and when does it occur?What's a periodic rate?What's the Prime Rate?Why do we ask for your country of citizenship?What should I know about requesting a balance transfer?Can I deposit cash from my personal Bank of America® credit card into my personal checking account?What should I know about direct deposit cash advances from my credit card?What's a Cash Credit Line?What does "cash credit line available" mean?How do I know the amount of my cash credit line?What happens if I go over my Cash Credit Line?Will I receive a confirmation number when I complete a balance transfer or direct deposit cash advance?Can I use my Bank of America® credit card to make payments in Bill Pay?How do I request my credit card PIN?How can I avoid problems using my credit card when I'm traveling domestically or internationally?Can I use my credit card at an ATM in a foreign country?Is it possible to increase my credit limit on my credit card prior to going on my trip?What are the fees for using a credit card in a foreign country?What are some tips for using an ATM in foreign countries?What travel benefits do I get with my credit card?How do I contact Bank of America from outside the U.S.?
Can I manage my Bank of America® credit card account using my mobile device?

Yes. Bank on your schedule with our Mobile Banking app. Stay on top of your credit card account balances, choose cash back deals with BankAmeriDeals®, pay your credit card bill with your Bank of America checking or savings accounts and more. To learn more and download our app visit: https://www.bankofamerica.com/online-banking/mobile.go today.

How do I request a credit line increase?

Sign in to Online Banking, go to your credit card Account details page and choose the Information & Services tab. If your account is eligible, you will be able to request a credit line increase.

Can I access my Bank of America® credit card account information online?

Yes. When you use Online Banking, you can easily manage your credit card account online. For example, you can:

  • Get a summary of your current account status, including balance, available credit and payment information
  • Request up to 12 months of detailed transaction information
  • View and print up to 18 months of credit card statements
  • Download transactions for use with financial management software
  • Make your credit card payment
  • Manage your credit card PIN
  • Get your FICO® Score
  • Check your rewards balance and redeem your rewards

Not an Online Banking customer? Enroll in Online Banking today

Most of these same account management features are also available in our Mobile Banking app, which gives you convenient, secure banking from almost anywhere.

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Can I get information on my credit card account through Text Banking?

Yes. You can get information about checking, savings and credit card accounts within seconds. Simply text a command to MYBofA (692632) and we'll text back what you need. To enroll in Text Banking, sign in to Online Banking and select Mobile settings from the Profile & Settings menu, or call 800.604.9961. Learn more about Text Banking.

When will I receive my credit card?

You'll receive your card within 10 business days after you're approved. Before you use your new card, you can activate it in one of several ways:

  • Sign in to the Mobile Banking app and select your card account, then scroll to the Card Management section and select the Activate Card button
  • Visit our credit card activation page
  • Call the number located on the back of the card

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How do I request a new/replacement credit card?

You can easily request an additional credit card or a replacement credit card on our website or on your mobile device.

On our website
Sign in to Online Banking and select the Order a new or replacement card link.

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device
Sign in to the Mobile Banking app and select your credit card account, then scroll to the Card Management section and select the Replace Credit Card link.

You can also tap the Erica icon and say, “I need to replace my credit card” then follow the instructions (if you prefer, you can also type your message to Erica).

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What do I do if my credit card expires?

Typically you'll receive a replacement credit card shortly before your current card is set to expire. If you never received your replacement card, though, you can easily request one on our website or on your mobile device.

On our website
Sign in to Online Banking and select the Order a new or replacement card link.

Not an Online Banking customer? Enroll in Online Banking today

On your mobile device
Sign in to the Mobile Banking app and select your credit card account, then scroll to the Card Management section and select the Replace Credit Card link.

You can also tap the Erica icon and say, “I need to replace my credit card” then follow the instructions (if you prefer, you can also type your message to Erica).

Get the app

What's an annual percentage rate (APR)?

An APR is the interest charged on a credit card expressed as an annualized amount.

What's an interest charge, and when does it occur?

An interest charge is the sum of interest on your credit card account. It is broken down by transaction type: Purchases, Cash Advances and Balance Transfers. If you pay less than the full balance, pay after the payment due date or if your credit card does not have a grace period for Purchases, then you will pay interest on those transactions.

Please note: Cash Advances and Balance Transfers have no grace period, which means they start accruing interest as soon as the transaction is made. Even if your Cash Advance or Balance Transfer balance is paid in full, you will have interest due (unless you have a 0% promotional rate for these transaction types).

What's a periodic rate?

A periodic rate is the interest rate that may be charged by a creditor on a balance for a day, week, month or any subdivision (or period) of a year.

What's the Prime Rate?

The Prime Rate is the rate of interest a bank offers to its most creditworthy customers. The U.S. Prime Rate, as published daily by the Wall Street Journal, is based on a survey of the prime rates of the 10 largest banks in the United States. The Prime Rate is an important index used by banks to set rates on many consumer loan products, including credit cards.

Why do we ask for your country of citizenship?

As a federally regulated bank, we are required to know our customers. We ask for your country of citizenship as part of this requirement.

What should I know about requesting a balance transfer?

A balance transfer allows you to access up to your total available credit on your personal credit card, and pay off or pay down balances from other retail/department store/gas cards, or other non- Bank of America credit cards and personal loans or lines of credit. This helps you consolidate bills, enjoy the convenience of one monthly statement and payment, and can save you money by paying down your higher-rate debt faster. Simply sign in to Online Banking to view your available standard or promotional offers. If your account is eligible, you can submit up to 3 balance transfers in each session. In most cases balance transfer requests will post to your account in as quickly as 2-4 business days (up to 14 days for new accounts).

Your transfer amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges when determining your transfer amount. Also remember the total credit available amount may not include recent purchases, advances or transfers. You'll receive a confirmation page (but no confirmation number) once you have submitted your request. We’ll also send you an email to the address on file, to confirm when approved requests are processed.

Can I deposit cash from my personal Bank of America® credit card into my personal checking account?

Yes. You can request a direct deposit cash advance which allows you to deposit cash up to your total available credit limit, less any transaction fees, into your personal checking account at Bank of America or another bank. The funds are often available the next business day, however, in some instances, it may take up to 3 business days (14 business days for new accounts). Sign in to Online Banking to view your current rate and fee offer details and submit a request.

You can also transfer money from your personal credit card by selecting Transfer | Send from the top menu bar on any page in Online Banking, then select At Bank of America under Between My Accounts. This is called a same-day online cash advance, which gives you immediate access to the funds, but usually has a higher interest rate and transaction fee than a direct deposit cash advance. Also, funds are drawn from your cash credit line available, which is a subset of your total credit available.

For your security, all direct deposit cash advances and cash transfers from your credit card made online require you to provide two pieces of information you can find on your credit card.

What should I know about direct deposit cash advances from my credit card?

A direct deposit cash advance from your credit card allows you to deposit cash from your personal credit card in to your personal checking account with Bank of America or another bank. You can use the cash to pay for any kind of planned or unplanned expense. You can draw up to your total credit available, less any transaction fees and the funds are often available the next business day. In some instances, it may take up to 3 business days (14 business days for new accounts). Your account may also be eligible for promotional rates on direct deposit cash advances. You can check your offers anytime by signing in to Online Banking. NOTE: If you plan to use the funds to consolidate debt, you may want to consider a balance transfer instead of a direct deposit cash advance because the standard rate applicable after a promotional period ends is typically lower for balance transfers.

Your direct deposit cash advance amount cannot exceed your total credit available, so be sure to plan for applicable fees and interest charges, as well as any pending purchases, advances or transfers when determining your transfer amount.

For your security, all online direct deposit cash advances from your credit card require you to provide two pieces of information that you can find on your card. So you'll need the card plastic to complete your request.

What's a Cash Credit Line?

The Cash Credit Line is a portion of the total credit available on your credit card, and is the maximum available credit for Bank Cash Advance transactions. Generally, Bank Cash Advances consist of ATM Cash Advances, Over the Counter (OTC) Cash Advances, Same-Day Online Cash Advances, Overdraft Protection Cash Advances, Cash Equivalents and applicable transaction fees.

What does "cash credit line available" mean?

Your cash credit line available is the amount of money on your credit card that is currently available for you to use for bank cash advance transactions. Keep in mind that any bank cash advance transactions you have made but have not yet been processed should be subtracted from your cash credit line available.

How do I know the amount of my cash credit line?

You can view your cash credit line on your statement, in Online Banking on your credit card Account details page or by calling customer service.

What happens if I go over my Cash Credit Line?

If you exceed your Cash Credit Line, you will not be able to make any more Bank Cash Advance transactions until you have paid your balance below the cash credit limit. There is no account penalty if you go over your Cash Credit Line. Exceeding the Cash Credit Line will not result in a fee or a higher APR, but you may experience declined transactions.

Will I receive a confirmation number when I complete a balance transfer or direct deposit cash advance?

You won't receive a confirmation number, but you may print or capture an image of the confirmation page that displays once you complete the balance transfer or direct deposit cash advance request online. We will send you an email to the email address on file, to confirm when approved balance transfer and direct deposit cash advance requests are processed. You can also check the status of your balance transfer and direct deposit cash advance requests at any time – just sign in to Online Banking, then click on View Card Transfer History link under Other Options.

How do I request my credit card PIN?

To request your credit card PIN: Sign in to Online Banking. You may also request your PIN using our Mobile Banking app or by calling the number on the back of your card.

How can I avoid problems using my credit card when I'm traveling domestically or internationally?

One of the best ways you can help avoid problems using your credit card when you're traveling is to make sure your email address and mobile number are up to date. We monitor your account activity regularly and will send automatic alerts to your phone or email address if we detect suspicious activity. Update your contact info

Some foreign terminals may ask for a PIN when you use a credit card so be sure to memorize your PIN. You can request your credit card PIN in Online Banking, in the Mobile Banking app or by calling us at the number listed on the back of your card.

If your card is lost or stolen while traveling, be sure to report your lost or stolen card immediately.

If you need to contact us when you're traveling, you can call anytime using the number on the back of your card.

Can I use my credit card at an ATM in a foreign country?

Yes. The largest networks are the Mastercard/Cirrus, Visa/Plus and American Express networks which have ATMs worldwide in more than 100 countries. Find an ATM at an international partner bank and access money without extra bank fees or surcharges. Remember these 3 important considerations when using foreign ATMs:

  1. Some foreign ATMs are only available during normal business hours
  2. Many foreign ATMs offer instruction in English, but not all of them
  3. our PIN must be 4 digits. Some ATMs do not accept PINs longer than 4 digits. You can request your PIN by signing in to Online Banking, through our mobile app or by calling the number on the back of your card.

*Please note that some business card accounts may not have cash availability. Please check with your Authorized Contact or Program Administrator before you leave the country.

Is it possible to increase my credit limit on my credit card prior to going on my trip?

Yes, you can request an increase in your credit limit on our website or by phone.

On our website
Sign in to Online Banking and select your credit card account, then select the Information & Services tab. If your account is eligible, you will be able to request a credit line increase.

Not an Online Banking customer? Enroll in Online Banking today

By phone
You may request an increase in your credit limit by calling the toll-free number on the back of your card.

What are the fees for using a credit card in a foreign country?

For detailed information on fees, please refer to your most recent Credit Card Agreement and any recent amendment(s) or contact us at the toll-free number on the back of your card.

What are some tips for using an ATM in foreign countries?

ATMs can be used to get foreign currency while traveling and may save you money when compared to buying currency at exchange rate booths. Despite the advantages, you need to be prepared for special circumstances that can arise when using an international ATM. Here are a few tips to help you on your way:

Check the network: Check your card's network. Cards in the Cirrus and Maestro networks often feature ATMs with easy-to-read instructions in English. Bank of America belongs to the Global ATM Alliance.

Research the country: There are some countries where ATM transactions are blocked. Please research the country to verify whether you will be able to use your credit card.

Understand the types of fees charged: Fees may be incurred for using the ATM and there may also be fees for currency conversion and cash advance. It is usually better to make fewer larger transactions instead of multiple smaller ones.

Make sure your PIN is valid: Some ATMs only allow 4-digit PINs. If your current PIN is longer than 4 digits, you may need to get a new PIN before you start your trip.

Have a backup plan: Some ATMs limit your access to a primary checking account, so have an alternative means of making purchases such as using foreign currency, traveler’s cheques or a debit card.

Additional tips: Remember that not all foreign ATMs offer instructions in English. If you are unable to use a foreign ATM, you may be able to use your credit card to make a cash advance at a local bank. Finally please note that some business card accounts may not have cash availability; check with your Authorized Contact or Program Administrator before you leave the country.

What travel benefits do I get with my credit card?

For information on travel benefits, contact us at the toll-free number on the back of your card and speak to an associate. For detailed information, ask the associate for a copy of your most recent Credit Card Agreement or benefits guide.

How do I contact Bank of America from outside the U.S.?

To contact us when traveling internationally, dial the AT&T Direct® Access Code of the country you're calling from followed by 302.738.5719 (please note that this number is also on the back of your card). See a list of AT&T Direct® Access Codes layer

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