How to Cancel Bank of America Credit Card

To cancel your Bank of America credit card, you'll need to call the customer service number and request to close your account. This number is 1-800-732-9194, available 24/7.

The representative will ask for your account information and verify your identity before proceeding. They may also ask why you want to cancel your card.

Bank of America typically sends a confirmation email or letter to your registered address after closing your account. This document serves as proof of account closure.

You should receive your confirmation within 7-10 business days.

You can cancel your Bank of America credit card in a few ways. The easiest way is by calling customer service at (800) 732-9194.

To cancel your card over the phone, call (800) 732-9194 and enter your account number, Social Security number or telephone access ID when prompted. Then, choose the option to speak to a customer service representative and tell the representative that you want to close your account.

Alternatively, you can visit your nearest Bank of America branch to cancel your card. However, be aware that a branch representative may not be able to cancel your card on the spot, and you may need to call the customer service line instead.

If you'd rather not call, you can also cancel your card via mail by sending a written request with your credit card number to Bank of America, P.O. Box 982234, El Paso, TX 79998-2234.

A representative may try to keep you as a customer by offering a retention offer, but you can decline and have them close the account anyway.

Expand your knowledge: Credit Card Account Closed Due to Inactivity

To cancel your Bank of America credit card, you have a few options. You can call the customer service line at (800) 732-9194, which is the quickest and easiest way to do this.

Alternatively, you can visit a Bank of America branch in person. However, I recently tried this and was told that they cannot cancel credit cards in the branch.

If you're not near a branch or prefer not to call, you can send a written request via mail to Bank of America at P.O. Box 982234, El Paso, TX 79998-2234.

Before you close your account, keep in mind that it may lead to a drop in your credit score, especially if it's an old account. You can use WalletHub's free credit score simulator to see how closing the card is likely to impact your score.

To cancel your card, you'll need to speak with a customer service representative and tell them that you want to close your account. They may try to keep you as a customer by offering a retention offer, but you can decline and have them close the account anyway.

Here are the contact details for Bank of America's customer service line:

Canceling your card can be a bit tricky, especially when it comes to unused credit cards. It's better to keep them open than to cancel them, as even unused credit cards with a $0 balance will still report positive information to the credit bureaus each month.

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However, there are some situations where it might be beneficial to close your unused credit cards. One reason is to avoid expensive annual fees.

If you have a credit card with no annual fee, it's especially worthwhile to keep it open, as it will still report positive information to the credit bureaus. This can be a big help when it comes to maintaining a good credit score.

If you're considering closing your Bank of America credit card, there are several valid reasons to do so. One reason is if you've overspent on the card and shutting it eliminates the incentive to overspend.

Closing a credit card with a high yearly fee can also be a good idea, especially if the incentives are insufficient to compensate for the cost. This can help save you money in the long run.

You might also want to consider closing a credit card if you're not using it and would prefer to have fewer cards to manage. This can simplify your finances and reduce clutter.

Worth a look: Closing Credit Cards with No Balance

Here are some valid reasons to close your Bank of America credit card:

Before closing your Bank of America credit card, there are a few things you may consider.

You may want to review your credit utilization ratio to avoid negatively impacting your credit score.

Closing a credit card account can also affect your credit mix, which is a factor in determining your credit score.

You may need to consider any outstanding balances or fees associated with your credit card.

Be aware that closing your credit card account may not necessarily cancel any automatic payments set up with your account.

Consider whether you have any rewards or benefits associated with your credit card that you may not want to give up.

Additional reading: Closing Credit Cards