What is my Bank of America credit card due date?

The easiest way you can make a Bank of America credit card payment is either online or through the mobile app. Alternatively, you can make a payment over the phone at (800) 236-6497, by mail or at a branch. Bank of America does allow cardholders to set up automatic payments, too.... read full answer

Ways to Make a Bank of America Credit Card Payment

• Online: Log in to your online account and click on “Bill Pay.” Then, choose how much to pay, when to pay it, and where the payment is coming from.
• Through the mobile app: To make a payment through the Bank of America mobile app, log in to your account and select your card, then tap “Make a payment.”
• Over the phone: Call (800) 236-6497 and enter your card information when prompted.
• By mail: Send a check or money order (but not cash) to:
  
  Consumer card payments
  PO Box 15019
  Wilmington, DE 19850-5019.
  
  Overnight payment address:
  
  Bank of America
  Attn: Payment Processing
  DE5-023-03-02
  900 Samoset Drive
  Newark, DE 19713
  
  Write your credit card number on the check, too.
• At a branch: You can make a payment at any Bank of America branch during normal business hours.

If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.

The Bank of America credit card late fee is up to $40 for personal cards and up $49 for business cards. Bank of America charges a late fee if you don’t make at least the minimum payment by your due date. A late payment fee will not exceed the total minimum payment that was due.... read full answer

If your balance is $100 or less on the due date, you will not be charged a Bank of America credit card late fee. This exception is only available for personal credit cards.

Notable Bank of America credit cards and their late fees:

• Bank of America Customized Cash Rewards credit card: $29 initial late fee; up to $40 maximum for late payments
• BankAmericard credit card: $29 initial late fee; $40 maximum for late payments during the following six billing cycles.
• Bank of America Premium Rewards credit card: $29 initial late fee; $40 maximum for late payments during the following six billing cycles.
• BankAmericard Secured: $29 initial late fee; $40 maximum for late payments during the following six billing cycles.
• Bank of America Travel Rewards for Students: $29 initial late fee; $40 maximum for late payments during the following six billing cycles.
• Bank of America Unlimited Cash Rewards Business Card: $19 to $49 late fee, depending on due-date balance.
• Bank of America Platinum Plus Business Card: $19 to $49 late fee, depending on due-date balance.
• Bank of America Travel Rewards Business Card: $19 to $49 late fee, depending on due-date balance.

It is worth noting that Bank of America may waive the late payment fee if it's your first offense. If it's your second offense, you may call them and make your case. This does not guarantee that it will work, but there is no harm in trying. There are a few other things you should keep in mind, too.

Other things to consider when your Bank of America credit card payment is late:

• In addition to the Bank of America credit card late fee, late payments can lead to your account being in default. And that will result in a negative hit on your credit rating. So, make every effort to pay your credit card bill on time.
• With Bank of America business cards, the late fee charged is based on your balance at the time the minimum payment was due. Late fees start at $19 if the balance is $100 or less, up to a maximum of $49 on a balance of $5,000 or more.
• In addition to the Bank of America late fee, when you fail to make the minimum payment by the due date you could be charged a penalty APR of up to 29.99%, which will be applied to your current balance.
• If you miss a payment on a card with a promotional 0% APR, that rate may be cancelled and replaced with the penalty APR. Penalty APRs also apply to new purchases if you are more than 60 days delinquent.

To avoid being charged a late fee, send at least the minimum payment several days before the due date to allow for processing. Or, arrange for an automatic debit from your bank account.To do this, log in to your online account and follow the on-screen instructions to set up autopay. You will need your bank's 9-digit routing number and the account number in order to set up the account.

Make sure there’s enough money in the bank account to cover the payment. If there’s insufficient funds in the account, you may still end up paying a late fee.

The Bank of America credit card grace period is at least 25 days, lasting from the close of the billing cycle to the payment due date. If cardholders pay their statement balance in full every month, Bank of America will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining balance and any new purchases on your Bank of America credit card will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.... read full answer

It’s also important to note that grace periods do not apply to cash advances or balance transfers.