How to Dispute Bank of America Credit Card Over Limit Fees Easily

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How to Fight a Bank of America Credit Card Over Limit Fee

Do you have a Bank of America credit card? If so, you may be worried about certain fees associated with your card. Many banks offer credit cards that include unexpected, and often excessive, fees. In addition to this, these fees are often hidden, making it difficult for credit card users to know when they're at risk of adding on additional fees. At DoNotPay, we're here to help you understand bank fees and fight them off successfully. Today we're going to talk about whetherand how to successfully fight any bank fee with DoNotPay.

What is a Bank of America Credit Card Over Limit Fee?

One common fee that bans include is an over-limit fee. This fee occurs when you make a purchase that's larger than your available credit. The good news is that Bank of America does not offer a . Instead, Bank of America will stop you from making any further transactions if you exceed your credit limit.

In addition to this, Bank of America will stop you from using your credit card until you pay your balance below the credit limit. You will not have an account penalty or experience a higher APR. Any further transactions will be declined. With that said, if you notice a charge on your credit card, this may be another type of fee, such as an annual fee that's reflected on your account.

How Do I Request a Credit Line Increase?

If you find that you keep going over your credit limit with your Bank of America credit card, one option is to request a credit line increase. A credit limit increase can help you make purchases without worrying about going over your limit and getting your credit card disabled. You have a better chance of getting a credit line increase improved if:

  • You have a strong history that shows you are a good paymaster.
  • You have a solid credit score.
  • You haven't recently received or requested a credit limit increase from Bank of America

What Credit Card Fees Does Bank of America Have?

While Bank of America doesn't have a credit card over-limit fee, your credit card may have an annual fee, which can be costly. When you're charged an annual fee for owning a credit card, it takes away from your available credit, regardless of the amount you were approved for. For instance, if you were approved for a credit limit of $350 and the annual fee is $75, you will have an available credit of $275, assuming the annual fee is charged the first year.

Not all Bank of America credit cards include a fee but many of them do. For this reason, it's important to check the details of your card. The cost of annual fees with Bank of America ranges from $0 to $95. Here are 4 Bank of America cards with annual fees.

  • Bank of America Premium Rewards credit card: $95 annual fee
  • Virgin Atlantic credit card: $90 annual fee
  • Free Spirit Airlines credit card: $0 for the first year and then $75 after.
  • Alaska Airlines credit card: $75 annual fee.

Will Bank of America Refund an Annual Fee?

Annual fees are known for being costly. It's important to consider that the better your credit score is when you apply, the lower your annual fee is likely to be. However, some credit cards have a standard annual fee regardless of your score. Unfortunately, annual fees take away from the credit you have available, which is why many people want to avoid credit cards with these fees. But if you've been approved for a Bank of America credit card that includes one, you may be wondering whether a refund is possible. Ultimately, getting a refund will depend on a variety of factors but it is certainly possible.

How to Get a Refund on Bank of America Annual Fee on Your Own

If you're looking to get a refund on a Bank of America annual fee, there are a few steps to follow. Keep in mind that your relationship with the bank will have a great influence on how successful a refund is.

  1. Go to Bank of America's website.
  2. Go to their contact us page and select, "contact us about credit cards".
  3. You will want to dial the number for credit card billing inquiries or dial directly to 866.266.0212
  4. Call the customer service representative and ask if your annual fee can be removed. If you are a longstanding customer with good payment history, there is a good chance that you will get a refund.

Successfully Refund for a Bank or Credit Card Fee With DoNotPay

Trying to get a refund for a bank or credit card fee can be a tedious task. Many people don't want to go through the process or don't have the time to request a refund for a bank or credit card fee. Luckily, you don't have to. With DoNotPay's product, you can quickly and easily request a refund for any fee with DoNotPay.

All you have to do is:

  1. Open the DoNotPay Fight Bank Fees product.

  2. Enter the name of your bank.

  3. Verify the last 4 digits of your bank account.

  4. Choose which fees you want to waive, including overdraft, ATM, and transaction fees.

DoNotPay Works Across All Financial Institutions

DoNotPay works across all financial institutions seamlessly. Regardless of what your bank is or what kind of fee you are being charged, DoNotPay can help you quickly, easily, and successfully with the following:

Bank of America overdraft feesChase Bank

overdraft fees

Fifth Third Bank overdraft feesCitizens Bank overdraft fees
Bank of America

ATM fees


transfer to bank fees

Wells Fargo

checking account overdraft fees

TD Bank

overdraft fees

DoNotPay also is the perfect resource if you're wondering whether you'll be charged for overdrafting your account over the weekend or the perfect banks for you if you don't want to be charged overdraft fees.

And that's it! DoNotPay will send the legal appeal letter on your behalf to your bank so your fees get refunded. If your bank has any further comments, they'll reach out to you directly. Are you ready to get your fees refunded? to get started with DoNotPay.

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