To get a Bank of America credit card PIN, call the number on the back of the Bank of America card and ask customer service for a PIN. Another way to get a Bank of America credit card PIN is by logging in to an account online and requesting a PIN through the Bank of America website. A credit card PIN is needed to get a cash advance at an ATM in the United States, or to make certain purchases when traveling abroad.
Best Way to Get a Bank of America Credit Card PIN
Call Bank of America customer service at 1-800-732-9194 or call the number on the back of your Bank of America credit card.
Inform the representative that you want a credit card PIN.
Receive the PIN in the mail, over text, or by email. It’s unlikely that Bank of America customer service will be able to provide a PIN over the phone.
If your credit card had a PIN in the past, but you’ve forgotten or misplaced it, Bank of America may tell you to look for the PIN before they generate a new one. It may be listed in credit card-related mailings or your online account.
If you need a PIN for a cash advance, it’s important to note that cash advances have high fees and interest rates, so you generally want to avoid them whenever possible. And while adding a PIN will make your card slightly more useful abroad, you’ll still be able to get around fine in most travel destinations without a PIN.
All Bank of America credit cards are Chip-and-PIN-enabled. To determine which Bank of America credit card to get, start by checking your credit score.
After getting your credit score and determining which cards you can qualify for, it’s important to compare fees, interest rates, perks and more. The best credit card for you will depend on the types of perks you value, as well as the fees and interest rates that are affordable to you.… read full answer
Use the filters on this page to narrow down your choices and determine the best Bank of America credit card for you.
You can activate your Bank of America credit card online or by phone at (800) 276-9939. Either way, you should have your credit card ready to use in just a few minutes.
Online: Log into your online account on Bank of America’s activation page. Then, verify your personal information (e.g. Social Security number) to activate your card. If you need to sign up for online account management, you can … read full answerenroll by providing the last 6 digits of your card and your full Social Security number. After that, you’ll create a username and password.
By phone: Call Bank of America at (800) 276-9939. Say or enter your full account number. Enter your personal information for verification when prompted (e.g. your SSN, zip code or the phone number associated with your application).
Once your BofA credit card is activated, you’ll be able to make purchases with it right away. And if you have any difficulty with the process, Bank of America’s customer service can always help you out. You can give them a call at (800) 732-9194.
There are a few ways to get a cash advance on a credit card without a PIN. The easiest way to withdraw cash from a credit card without a PIN is to visit a bank that does business with your credit card company, ask the teller for a cash advance, and present your card along with a government-issued photo ID. You could also ask your credit card’s issuer for so-called … read full answercredit access checks, which you can then use to withdraw cash from your credit line.
The other ways to get a cash advance on a credit card without a PIN are to purchase a money order from the likes of MoneyGram or Western Union, or link your credit card account to a service such as Amazon Pay. Alternatively, using an app such as Venmo, PayPal or Cash App can also help you pay people and businesses that can’t accept credit cards directly. Those services often charge a fee for using a credit card, but the transaction may actually be processed as a payment rather than a cash advance.
To get a cash advance with a credit card at an ATM, however, you need a PIN. But getting one is easy. If you didn’t create a PIN when you activated your card, you should be able to call customer service, choose your number and get it set it up right away. Some issuers, such as Bank of America and Discover, also let you set a PIN online.
Whether or not you use a PIN, you’ll want to be careful about cash advances. They typically charge high interest rates and a 2%-5% fee. Plus, there’s no grace period, so interest starts accruing as soon as you complete the transaction. But unforeseen circumstances arise for everyone, so here are your options if you need cash but don’t have a PIN.
Here’s how to withdraw cash from a credit card without a PIN:
Bank teller: You can get a cash advance without a PIN at a bank branch, but you’ll need both your credit card and a government issued photo ID like a driver’s license or passport.
Access checks: If your credit card issuer has sent you access, or convenience, checks, you can use them to withdraw cash at any bank that accepts them. Access checks are blank checks that draw on your credit line rather than your checking account. Some issuers send access checks without being asked, but you can also request them by calling customer service. Keep in mind that access checks are subject to the same high APRs and lack of grace periods as cash advances.
Money-transfer service:You can buy a money order with a credit card from a service such as Western Union or MoneyGram. This would allow you to transfer funds to a recipient using just a phone number or email address. It won’t give you cash on the spot, but it could make it possible to ultimately spend part of your credit line in cash if you transfer the money to the right person. The transaction likely will be treated as a cash advance, however.
Digital payment service: Apps such as PayPal, Venmo and Cash App allow you to make payments from a linked credit card account. That could remove the need to withdraw cash altogether, though these services usually charge a fee. The transaction may or may not be considered a cash advance, too, depending on the service and the credit card.
Similarly, you can link a credit card to an Amazon Pay account and pay a merchant that way. The merchant needs an Amazon "Recipient Name," however. And if you don’t mark the payment as being for "goods and services," the transaction will be considered a cash advance.
So, there are a handful of different ways to get a cash advance on a credit card without a PIN. Just remember that cash advances tend to be quite expensive and should be reserved for emergencies.
If you need a way to access cash on a regular basis, it’s best to look for a cheaper, more sustainable alternative. Two options in particular are good for the job, though each will usually require a PIN of its own.
For example, you could just get cash with a debit card. You won’t be able to borrow money with a debit card, but it would enable you to make purchases from cash-only merchants. Just go to an ATM or make a small purchase at a store and select the cash back option.
Using a prepaid card is another possibility. A prepaid card is like a checking account with a debit card, minus the checkbook. You can use it to make purchases directly or to withdraw cash from ATMs. But it only allows you to use your own money and doesn’t help you build credit.
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