To check your BankAmericard credit card balance, log in to your Bank of America account online or call credit card customer service at 1-800-732-9194. It’s also possible to check your BankAmericard credit card balance through the Bank of America app or by texting BAL to 692632.
How to Check Your BankAmericard credit card Balance
Online: Log in to your Bank of America account to see your BankAmericard credit card card’s balance.
By Phone: Call 1-800-732-9194 and follow the prompts to have the automated system read your current balance.
By App: Log in to the Bank of America app. Your credit card balance will be shown on the home screen.
By Text Message: Text “BAL” to 692632. If you haven’t already, you’ll need to log in to the Bank of America website and enroll in text banking for this to work.
It’s a good idea to keep an eye on your BankAmericard credit card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
The BankAmericard credit card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their BankAmericard credit card 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 BankAmericard credit card balance and any new purchases 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.
A credit balance refund on the BankAmericard credit card is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $500, but pays $600, can get a credit balance refund of the $100 that they overpaid.
Cardholders can request a BankAmericard credit card credit balance refund: by phone (… read full answer1-800-732-9194) or by sending a written request to
Bank of America PO Box 982234 El Paso, TX 79998-2234
They can get their refund in the form of a check. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.
Please note that you are not required to request a credit balance refund if you overpay your BankAmericard credit card. If you have a negative balance on your account, meaning you've paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, Bank of America is required to offer you a refund.
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