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How to cancel a Bank of America credit card

Calling is ideal, but you can cancel in person and via mail.

Updated

Fact checked

So you want to cancel your Bank of America credit card, but you don’t want to call in?

That’s perfectly understandable. There’s a reason banks prefer you call to cancel — oftentimes, it’s so a representative can try to convince you to stay. This can be an annoying exercise: You may have to repeatedly decline the rep’s offers and reiterate that you want to cancel.

Before trying to cancel your Bank of America credit card, prepare by reading our guide to canceling your credit card.

Can you cancel your Bank of America credit card without calling?

Unfortunately, you can’t cancel your Bank of America credit card through your Online Banking Message Center. If you look for an online-message option, you’re continually led to one contact method: a phone number.

You can try sending Bank of America a message through its Facebook page. However, canceling this way is hit or miss. Customers also say Bank of America chat support tends to be slow to respond.

For phone-based credit card support, the number to dial is 800-732-9194.

What to expect when you call to cancel your card

Before you call, know why you’re trying to cancel. Are you 100% certain you want to cancel your card? Or are you simply unhappy about some aspect of your card and want to see if you can get it changed?

It’s good to know your reason for calling, because one of two things typically happen when you call to cancel your card:

  • The representative cancels your card, no questions asked.
  • More likely, the representative tries to convince you to keep your credit card open. They may even forward you to the bank’s customer retention division for more persuading.

Have a game plan

Before your call, know whether you’ll change your mind if the rep offers enticing perks. For example, would you be willing to stay for a lower interest rate?

On the other hand, perks may not solve the core problem behind why you wanted to cancel your card in the first place. If you’re deep in debt and need to close your card to avoid spending more, consider saying no to any enticement the rep throws your way.

Above all: If you’re set on canceling your card, be ready to say no several times.

After you’ve canceled your credit card over the phone

After the phone call’s finished, send a written letter to Bank of America with your cancellation request. Include your credit card number and account number.

Send your signed letter to:

Bank of America
PO Box 982234
El Paso, TX 79998-2234

For more steps to take after your phone call, read our guide to canceling your credit card.

Can you close your Bank of America credit card in person?

Yes — you can close your card in person by visiting a Bank of America branch. Visit the bank’s website to find a location near you. When you arrive at a branch, ask to speak with a personal banker.

Can you close your Bank of America credit card in writing?

Yes — you can close your card by sending your written request to this address:

Bank of America
PO Box 982234
El Paso, TX 79998-2234

In your letter, include your credit card number and account number.

Will canceling my Bank of America credit card affect my credit score?

Sometimes canceling your credit card is the best decision for your financial health. But canceling a credit card with a high spending limit can hurt your credit score. Credit bureaus determine your creditworthiness by looking at many factors like payment history and the age of your credit. But they also look at how much credit is available to you compared to how much you’re using — known as credit utilization ratio.

The lower the ratio, the less the risk in lenders’ eyes. Credit bureaus like to see your credit utilization ratio at 30% or below, and closing a card with a high spending limit and a zero balance can hurt your score. For more information visit our guide on how credit utilization affects your credit score.

Looking for a new card?

Just because you’re unhappy with your Bank of America credit card, it doesn’t mean you don’t need or want a credit card. If you’re looking for a replacement, compare credit cards to find the one that fits your needs.

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