How to Pay Your Bank of America Credit Card Bill Online

Paying your credit card bill on time each month is crucial to avoid late fees penalty APRs and damage to your credit score. Bank of America offers several quick and easy ways to pay your credit card bill online.

In this comprehensive guide we’ll outline the step-by-step process to pay your Bank of America credit card bill through the bank’s website and mobile app. We’ll also provide tips to make sure your payments are always on time.

Log In to Online Banking

The first step is to log in to your Bank of America online banking account. Go to bankofamerica.com and click on the “Online Banking” link in the top right corner.

You’ll need to enter your online banking username and password. You can sign up for online banking right from the login page if you haven’t already.

You’ll be able to see all of your Bank of America accounts, like checking, savings, loans, and credit cards, once you log in.

Select Your Credit Card Account

After logging in, locate your credit card account on the main accounts overview page or under the “Credit Cards” section.

Click on the credit card account you want to make a payment towards. This will bring you to the account details page.

Here you can see your current balance, available credit, due date, recent transactions, and more.

Choose a Payment Method

With the credit card account open, look for the “Make a Payment” link or button. This will open the payment popup.

You can pay your credit card bill directly from a linked Bank of America checking or savings account. Or you can pay by debit card or another external bank account added to your online banking profile.

Select which account or card you want to use to pay your credit card bill.

Enter Payment Amount

Next, enter the payment amount in the designated field.

Make sure to pay at least the minimum due to avoid late fees. We recommend paying in full each month if possible to avoid interest charges.

Review the payment date, when the funds will be deducted from your account. Pay attention to any cut-off times to ensure on-time payment.

Submit and Confirm

Once the payment account, amount, and date are entered correctly, submit the payment.

You’ll receive a payment confirmation with reference number right away. The payment will be processed on the date you scheduled.

Your account balance and available credit will reflect the payment after it’s processed. But you can see pending payments immediately under “recent transactions.”

Schedule Recurring Payments

For convenience, we highly recommend setting up recurring automatic payments with Bank of America online banking.

Navigate to the credit card account details page and find the “Automatic Payments” section. Choose to pay the minimum, a fixed amount, or full balance each month on the due date.

With autopay enabled, your credit card bill is paid on time every month without you having to remember to log in and manually pay – it’s all automated!

Pay Immediately with Mobile App

In addition to online banking, you can pay your Bank of America credit card with the mobile banking app for iPhone and Android.

Like online, select your credit card account then use the “Make Payment” feature. Choose a linked bank account or debit card and submit the payment.

The mobile app also allows you to set up push notifications when your bill is ready and when the payment is processed.

Avoid Late Fees

To avoid late fees, make sure to schedule payments at least a few days before the due date listed on your statement. It takes 1-2 business days to process payments with Bank of America.

Set up text or email alerts for when your monthly bill is ready and pay it right from your phone. Autopay is also great for preventing late payments and fees.

Get Payment Receipts

Your payment receipts will be stored under “Statements and Documents” in online and mobile banking. You can print or download these for your records.

Payment confirmations are also emailed to the address associated with your online banking account. Make sure to save these emails for reference.

Handle Payment Issues

If there ever is an issue with a credit card payment from your Bank of America account, call customer support at 800-432-1000.

You can check pending payments under your account Activity. If a payment doesn’t complete, customer support can help determine the cause and process the payment manually if needed.

Summary

Paying your Bank of America credit card bill online is quick, easy, and secure. Just log into your account, select the card, enter the payment details, and submit. Consider setting up automatic payments for convenience. Monitor payment activity closely and contact customer service if any problems occur.