Pay Bank Of America Credit Card Bill Online

How to Pay Your Bank of America Credit Card Bill Online

Paying your credit card bill on time each month is critical to avoiding late fees, interest charges, and damage to your credit score For Bank of America credit card holders, paying online is a convenient way to stay on top of your bill

In this detailed guide, I’ll explain all the ways you can pay your Bank of America credit card bill online or through the mobile app. Here’s what we’ll cover:

• Logging into your Bank of America account
• Making a one-time payment
• Setting up autopay
• Paying from a Bank of America checking or savings account
• Paying from an external bank account
• Paying with a debit card
• Tracking payment history
• Confirming payments posted
• Handling declined payments
• Changing payment due date

Let’s get started on how to pay your Bank of America credit card bill online!

Logging into your Bank of America account

The first step is accessing your account online or via the mobile app. Here’s how:

Website: Go to bankofamerica.com and click “log in” at the top right. Enter your online banking credentials.

Mobile app: Download the Bank of America app and log in with your username and password.

Once logged in, select your credit card account from the list to access the details.

Making a one-time online payment

For a single payment, follow these steps:

1. Go to the Payments section and click “Make a payment”

2. Enter the payment amount and date

3. Select the payment funding source – checking/savings account or external bank account

4. Review payment details and click “Submit payment”

One-time payments always post the next business day if submitted before 10 PM ET.

Setting up automatic payments

You can automate payments to avoid late fees and stay on track. Here’s how to set up autopay:

1. Under Payment settings, click on “Make automatic payments”

2. Pick the date and amount for the monthly payments.

3. Choose the funding account.

4. Review and submit your selections.

Autopay will activate starting the next billing cycle. You can always adjust the details later under Payment settings.

Paying from a Bank of America account

For the fastest delivery and simplicity, pay from an existing Bank of America checking or savings account. Follow the payment prompts and select the internal bank account as your source of funds.

The money transfers instantly and payments post the next business day.

Paying from an external bank account

You can also pay your Bank of America credit card bill from an external checking or savings account held at another bank.

When you go to make a payment, choose the “Use external bank account” option. It will walk you through linking that outside bank for payments.

Transfers from external accounts take 2-3 business days to process. Schedule payments accordingly to avoid late fees.

Paying with a debit card

In a pinch, you can make credit card bill payments directly with a debit card through Bank of America’s online banking.

From the payment page, choose the “Pay with a debit card” option and enter your debit card number, expiration date, and security code.

Debit card payments show up immediately and take 1-2 days to fully post. Know your daily card use limits before paying bills this way.

Tracking payment history

Wondering if you already paid your credit card bill this month? You can quickly verify payment history online.

On your account home page, go to Statements -> Payment history. It will show all payments from the past 12 months.

Confirming your payment posted

To confirm an individual payment posted to your account:

1. Go to your Transactions page

2. Filter the transactions by date range if needed

3. Look for the payment transaction under Posted Activity to confirm it went through

You can also check your current account balance to see if it reflects the payment.

Handling declined payments

If you get an error that your online credit card payment was declined, here are some troubleshooting tips:

• Verify you entered the right account number and routing number for transfers

• Check if you have sufficient funds in the source account to cover the payment

• Call your bank if an external account was denied for transfers

• Pay with another account or make a traditional debit card payment instead

You can also contact Bank of America customer service for help diagnosing a declined payment.

Changing your payment due date

If needed, you can request a new payment due date for your credit card that better aligns with your billing cycle.

To submit a due date change:

1. Log into your account and go to Settings

2. Select Payment Preferences

3. Click “Change due date”

4. Pick a new date from the calendar

5. Submit and confirm the change

Adjusting your due date can help avoid late payments and simplify planning your monthly budget.

Get smooth sailing on payments with Bank of America

Staying on top of your credit card payments is key to building an excellent credit history. Paying your Bank of America bill online provides a simple, seamless process from anywhere.

Log into your account frequently to monitor statement balances, make one-time payments, or set up bill pay automation. Transferring from your existing Bank of America checking or savings allows for instant payments.

While you have multiple ways to pay online, try automating a fixed amount each month for a worry-free approach. Just check statements occasionally for any special adjustments needed.

With the power of digital banking, you can take control of credit card payments and maintain healthy finances. Pay bills with the click of a button and keep your accounts in good standing.