How To Cancel Bank Of America Credit Card

Bank of America is one of the largest banks in the United States, offering a wide range of financial services, including credit cards. While their credit cards come with numerous benefits, circumstances may arise where you need to cancel your card. Whether it’s due to high fees, unsatisfactory customer service, or a change in financial situation, cancelling a Bank of America credit card requires following a specific set of steps.

However, there may come a time when you need to cancel a credit card for various reasons. This blog post will guide you through the process of cancelling your Bank of America credit card, ensuring a smooth and hassle-free experience.

Why Cancel Bank of America credit Card

Before we delve into the cancellation process, it’s important to understand the potential reasons for cancal a credit card. Some common reasons may include:

  1. Unnecessary fees: If your Bank of America credit card charges excessive fees that are no longer justifiable or suitable for your financial circumstances, cancelling the card can help you avoid unnecessary costs.
  2. Poor customer service: Dissatisfaction with the Bank of America customer service experience may prompt you to cancel your credit card and explore other options.
  3. Change in financial situation: A significant change in your financial situation, such as a job loss or a decrease in income, may require you to reassess your credit card needs. Cancelling your Bank of America credit card can help you better manage your finances during challenging times.

Cancelling a Bank of America credit: step-by-step process

Now that we’ve discussed the potential reasons for cancelling a Bank of America credit card, let’s explore the step-by-step process to successfully close your account:

  1. Contact Bank of America: Start by reaching out to Bank of America’s customer service department. You can find their contact information on their website or on the back of your credit card. Explain your intention to cancel your credit card and provide any necessary details they may require.
  2. Pay off your remaining balance: Before cancelling, ensure that you have paid off any outstanding balance on your credit card. This includes any pending charges or fees. Settle any remaining dues to avoid future complications.
  3. Gather necessary information: Before making the call, gather all relevant information regarding your credit card account. This may include your credit card number, name as it appears on the card, and any additional identification information they may need to verify your identity.
  4. Follow the cancellation instructions: Follow the instructions provided by the customer service representative to cancel your Bank of America credit card. They may ask you to send a written cancellation request or may guide you through the process over the phone.
  5. Confirm cancellation and receive confirmation: Once the cancellation process is completed, ensure that you receive confirmation of the cancellation in writing or through email. Keep this confirmation for your records and any future reference.


1. Will cancelling my Bank of America credit card affect my credit score?

Cancelling your credit card may have a minor impact on your credit score, especially if you have a long credit history with the card. However, it is important to note that overall credit utilization and payment history play a more significant role in determining your credit score.

2. Can I cancel my Bank of America credit card online?

While Bank of America does not provide an online cancellation option, you can initiate the process by calling their customer service hotline. They will guide you through the necessary steps to cancel your credit card.

3. Will cancelling my Bank of America credit card affect my relationship with the bank?

Cancelling your credit card should not affect your existing relationship with Bank of America. However, if you have other accounts or services with them, it is always advisable to confirm any potential impacts with their representatives.

4. Can I cancel my Bank of America credit card if it has a balance?

Yes, you can cancel your credit card even if it has a remaining balance. However, you will still be responsible for paying off the balance according to the terms and conditions set by Bank of America.

5. Can I reopen my Bank of America credit card after cancelling it?

Once you cancel your Bank of America credit card, it cannot be reopened. If you wish to obtain a new credit card from Bank of America in the future, you will need to go through the application process once again.


Cancelling a credit card can be a straightforward process if you follow the necessary steps. In this blog post, we discussed the step-by-step guide to cancelling your Bank of America credit card. We also explored common reasons for cancellation and addressed some frequently asked questions. Remember, when cancelling your credit card, always settle any outstanding balance and keep confirmation of the cancellation for your records.

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