Credit & debt management Get ahead of debt

You’re looking to borrow money. Lenders are looking at your credit. Bank of America can help you navigate it all—from understanding the ins and outs of credit to helping you build or rebuild your credit.

Understanding credit Know your credit score. Know your borrowing potential.

First things first, know what goes into a credit report. As a Bank of America credit card customer, you can access your FICO® Score1 for free. There are also steps you can take to help improve your credit.

Learn more at Better Money Habits®

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Keeping tabs on your credit

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Be aware

Set alerts2 for unusual activity and more.

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Monitor security

Help secure your accounts by activating more security features and tools.

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Watch your bill

Does something look off? Erica®3, your virtual financial assistant, can alert you of duplicate charges so you can dispute them

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Helpful habits Working in your favor

Bank of America offers an array of credit cards. You can choose which one works best for your situation—from low interest rates to a variety of rewards. Can’t decide? Maybe having more than one is right for you.

Learn more at Better Money Habits®

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A beneficial card

If a traditional credit card isn’t available to you at this time, a secured credit card is a great alternative that can help you get your credit back on track.

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On time, all the time

Paying your credit card bills on time is essential. And with Mobile and Online Banking, you can do it from almost anywhere.4 See how.

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Get rewards

If you are a Bank of America Preferred Rewards® member, you may be able to earn more rewards with eligible credit cards.5


All progress is good progress

Both credit card and secured debt are common. Fortunately, there are several ways to help you reduce them.

Learn more at Better Money Habits®

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Guidance & negotiation

A credit counselor may be able to help you with multiple debts. You can also talk to your creditors; they may be able to adjust your rate or payment plan.

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High interest rates make it even harder to pay down debt. In that case, a balance transfer can be helpful. A Bank of America home equity line of credit could get you a more favorable rate to pay down other debts.

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Reduce payments

Refinancing your mortgage or auto loan could potentially lower your monthly payments.