How do I check my BankAmericard credit card balance?

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.

The BankAmericard Credit Card minimum payment is $25 or 1% of your balance plus interest and late fees, whichever is more.

If your total balance is less than $25, your BankAmericard Credit Card minimum payment is the entire amount.

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.