You cannot freeze your BankAmericard credit card. If your BankAmericard credit card is lost or stolen, you’ll need to call Bank of America credit card customer service at 1 (800) 732-9194 as soon as possible, so they can cancel the card and send you a new one.
That said, it’s important to remember that you won’t be held responsible for unauthorized purchases, thanks to a $0 fraud liability guarantee.
To dispute a Bank of America charge, log in to your Bank of America account online and search for the transaction to dispute, or call Bank of America customer service at 1 (866) 266-0212. Alternatively, the address to dispute a charge by mail is:
Credit card billing inquiries Bank of America PO Box 982234… read full answer El Paso, TX 79998
Bank of America disputes are typically resolved within 60 days, though more complex issues may take a little longer.
How to Dispute a Charge on a Bank of America Card Online
Click "Dispute this transaction" to open an inquiry.
Check for a confirmation e-mail from Bank of America verifying receipt of the inquiry.
Before you dispute a charge through Bank of America, you should first contact the merchant associated with the charge on your Bank of America card. Merchants have easier access to your purchase information and should be better able to quickly remedy the issue. If for some reason, the merchant is unable or unwilling to work with you on a disputed charge, you can then file a dispute with Bank of America.
Once you’ve initiated the dispute, Bank of America will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your Bank of America card as you normally would while a dispute is ongoing.
Bank of America will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
To get a Bank of America replacement card, log in to your online account, use the Bank of America Mobile Banking app, or call customer service at 1 (800) 732-9194. There is no fee to get a Bank of America replacement card, which should arrive within 7-10 business days.
Log in to your Bank of America card’s online account.
Click the "Accounts" tab.
Select the "Manage card settings" menu.
Click the link to Order a new or replacement card.
Other Ways to Get a Bank of America Replacement Card
Mobile app: Log in and tap the "Accounts" tab. Select the "Manage card settings" menu. Click the link to Order a new or replacement card.
Phone: Call customer service at 1 (800) 732-9194. Be prepared to provide any personal information requested to verify your identity. Follow the prompts to submit your request.
You can request a Bank of America replacement card if your current card is stolen, lost or damaged. You don’t have to request a Bank of America replacement card if your current card is about to expire, though. Bank of America will automatically send a new card before the current card expires. Contact customer service if you have not received a replacement card by the expiration date.
It is better to keep unused credit cards open than to cancel them because even unused credit cards with a $0 balance will still report positive information to the credit bureaus each month. It is especially worthwhile to keep an unused credit card open when the account does not have an annual fee.… read full answer
Still, there are times when it may be beneficial to close your credit cards, such as to avoid expensive annual fees. And if you’re worried about your credit score, you can use WalletHub’s free credit score simulator to see the potential impact closing a credit card will have
Why It Is Better to Keep Unused Credit Cards
Just keeping unused credit cards open helps your credit by maintaining the total amount of credit you have available and preserving the length of your credit history. If you don’t use a credit card, your account will still get reported to the credit bureaus as being in good standing every month, assuming you have a $0 balance. This will continue to add positive information to your credit reports, helping your credit score.
On the other hand, when you close a credit card, especially if it’s one of your oldest credit accounts or one that has a high credit limit, your credit score will likely suffer a bit.
When It Is Better to Cancel Credit Cards
Despite the potential for credit score damage, it’s important to remember that there are a few situations when it might be better to close unused credit cards rather than leave them open. If your unused credit card charges an annual fee, for example, and you don’t need your credit score in its best shape for a while, it’s probably best to save the annual fee and close the account.
On the other hand, if you want to cancel your credit card because you are concerned about overspending, try locking it away in a safe place first. If that doesn’t work, it will likely work out better for you and your financial future to close the credit card account, even if your credit score takes a hit.
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