How to Cancel a Bank of America Credit Card? 

The most reliable way to know how to cancel a Bank of America credit card is by dialing their customer service at (800) 732-9194. There are many other ways to cancel their credit cards but the most used method for cancelling a Bank of America Credit card is through phone. 

3 Best ways to understand how to cancel a Bank of America Credit card? 

By Mail – 

The slowest way to trigger your credit card cancellation process is by writing a cancellation request at the below address, 

Bank of America P.O. Box 982234 El Paso, TX 79998-2234 

In Person – 

You can locate any nearby branch of Bank of America and get there personally. 

This process could be more assuring to any customer because they would be meeting the customer representative in person and getting to know about the policies. 

Note that the customer rep is going to try his/her best to retain you as their customer by offering some interesting perks. So decide wisely. 

By Phone – 

The smoothest way to cancel your credit card would be by dialling at (800) 732-9194 and follow the recorded system. 

Enter your information like account and social number and wait until your call gets connected to the customer service staff. 

You will now be asked to state the reason for cancelling your credit card. The reps might try to solve your problem by giving some suitable solutions. 

Note your cancellation request ID for future purposes. 

Cancelling your credit card brings down your credit limit affecting your Credit Utilization Ratio and further hurting your credit reports. 

One should be cognizant of his/her reasons while cancelling their credit cards. 

Instead, choose upgrading or downgrading your card, opting for some other credit card from the same company that suits your budget by limiting your credit limit, etc. 

How to Cancel a Bank of America Credit Card YouTube Video.

Can I cancel my Bank of America credit card online? 

No, you don’t get an option to cancel your Bank of America card online. You could contact their customer service to get your credit card cancelled any day. 

Can I close a Bank of America credit card with a balance? 

No, if you decide to cancel your credit card by calling their customer care staff, your cancellation request will be denied upfront and you will be asked to clear your outstanding balance amount first. 

If in case, you opt to choose to mail, your cancellation request might be raised but it will lie somewhere in the pending queue unless you address your balance amount.