What To Do When You Can’t Pay Your Bank of America Bill
Bank of America is a national bank chain offering credit cards, checking and savings accounts, loans, and various other financial services. If you cannot make the payment on your Bank of America credit card, do not worry, because they may be able to help you.
How To Pay The Bill
Bank of America offers multiple bill payment methods to allow customers to choose the one most convenient for them. You can pay your credit card bill online, over the phone, through the mail, and in person at a local branch.
Pay online: To pay your Bank of America credit card bill online visit http://www.bankofamerica.com/state.cgi?section=signin and sign in to your account. If you do not have an account, you will have to create one before you will be able to make your payment. You can pay online with a transfer from your Bank of America or another bank account.
Pay by phone: To pay your Bank of American credit card bill over the phone call customer service 24/7 at 1-800-732-9194.
Pay by mail: To pay your Bank of America credit card bill through the mail, send a check or money order with the account number written on it to:
Bank of America
PO Box 15019
Wilmington, DE 19850-5019.
900 Samoset Drive
Newark, DE 19713-6000.
Pay in person: To pay your Bank of America credit card bill in person, use this branch locator to find the Bank of America nearest you.
Questions About Your Billing Statement or Account?
Banks typically disclose the fees charged to customers. Although fees are disclosed, does not mean customers fully understand those fees. If you are a customer that does not understand you Bank of America billing statement or account, we recommend visiting the Bank of America FAQs. You also can contact customer service at 1-800-732-9194.
How The Penalty Fees Work
The penalty fees will vary based on the type of credit card you have, but you can expect to pay a fee if you are late with your payment or do not pay the minimum payment amount due. You can expect a fee for cash advances and certain transactions, as well as a fee if you go over your credit limit, and a fee if your payment is returned for insufficient funds.
I Can’t Make A Payment
If you cannot make your payment, contact customer service. You may not able to avoid fees and penalties, but you may be able to learn more about programs and insurance in place to help cover your payments if you lost your job or become temporarily disabled. These programs may or may not be available depending on your card type.
Will They Work With Me To Pay My Bill?
Bank of America will work with you as much as they can to prevent your account from being sent to collections or being charged off and closed. If you are a current or past Bank of America customer with similar experience, please share it below to help our readers.