You can submit a Bank of America credit card application online, by calling 866-751-1257, or 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 the applicant’s 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.
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.
After you submit a Bank of America credit card application, you may receive an instant decision, but it could take up to 30 days to find out if you’re approved or denied in some cases. If you are approved for the card, it should arrive in 7 to 10 business days. You can call customer service 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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