Maria Adams, Credit Cards Moderator
If you overpay your Bank of America credit card, the payment will result in a negative account balance. This means that the Bank of America will owe you money. The amount you overpaid will count toward the next purchases you make with your card until your balance is back to zero.
Alternatively, you can ask for a credit balance refund. For example, if you had a balance of $500 but you paid $600, you can get a credit balance refund of the $100 that you overpaid. It’s also worth noting that, if you maintain a negative credit balance for six months, Bank of America is required to offer you a refund.
How to Request a Bank of America Credit Balance Refund
You can request a Bank of America credit balance refund by calling customer service at (800) 732-9194 or by sending a written request to:
Bank of America
PO Box 982234
El Paso, TX 79998-2234
Ultimately, keep in mind that you can get a credit balance refund from Bank of America in the form of a check.
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