How to Close a Bank of America Credit Card Account?

Do you wish to close your Bank of America credit card account? If ‘yes, then you should have a very good reason for doing so. Perhaps you no longer want to keep paying the exorbitant annual fees that come with the card. It is also likely that you haven’t used the card for long and have no need for it. No matter the reason for the cancellation of a Bank of America credit card, you should go about it in the right way.

Like other credit cards, you can cancel the Bank of America credit card in a number of ways. That’s online, through the phone, visiting a financial center, or sending a written request. These are discussed below:

How to Close a Bank of America Credit Card

Close a Bank of America Credit Card Account Online

This method is not the best, given the near-zero success rate. Only a few people who have tried this method have succeeded to have their credit cards canceled. After you have logged in to your online account, you can engage the customer service representative in a live chat and request for the cancellation of the credit card. Unfortunately, you could end up in an unending loop in which you keep being referred to call the customer service number.

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Close a Bank of America Credit Card by Phone

The Bank of America customer service number is printed on the back of your credit card. You could also find it on the website or the latest account statement. If you can’t, the number is 1-800-732-9194.

Before you dial this number, ensure you have a convincing reason as to why you want to cancel your card. If you don’t, the customer service representative could just convince you to retain it against your wish.

You will be asked to give your name and credit card number. After you have done so, the customer service representative will then cancel the card.

Close The Card through a Physical Visit

Since you cannot request your credit card to be canceled through an online live chat, you will have to walk into a financial center near you. While there, you will speak to a personal banker and tell them of your wishes to close the account. Just like that, you will be asked to clear and pending debts and walk out without your Bank of America credit card.

Bank of America Credit Card Cancellation via Mail

One of the best ways to cancel a Bank of America credit card is to send mail through the post. Get the mailing from the latest account statement, the company website, or as shown below:

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

You will write a letter expressing your wish to cancel your credit card. In the letter, you will provide your name as it is on the card, and the credit card number. You will have to specify the date when you want the credit card to be canceled.

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No matter the cancellation method you choose, expect to receive a confirmation message from Bank of America. If you don’t get one, send a follow-up inquiry.

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