Very few people enjoy calling customer service—but sometimes, a quick call to customer service might be the fastest way to get the results you need. Especially since some issues can’t be addressed through your online bank account or credit card app.
That said, we all know that customer service calls aren’t always quick or easy—which is why it’s a good idea to prepare for your call before you contact your card issuer. The more information you bring to the conversation, the more likely you are to get the answers you’re looking for.
Let’s take a close look at how to contact your card issuer and what you should do beforehand to ensure you get the most out of your call.
How do you contact your credit card issuer?
There are two primary ways to contact your credit card issuer. The easiest way to get in touch with your credit card company is by dialing the phone number on the back of your credit card. You can also visit your card issuer’s website to look up their customer service options. Some credit card issuers offer different customer service numbers for people who are experiencing different issues. Many credit card issuers even let users send Twitter and Facebook messages to dedicated customer service accounts.
Call the number on the back of your credit card
If you want a quick and easy way of contacting your card issuer, call the phone number on the back of your credit card. This customer service number will connect you to the card issuer’s primary customer service hub, with a phone tree or voice-recognition interface to help you select the purpose of your call. You can use the number on the back of your credit card to check a balance, check payment status, report fraud, speak to a representative and more.
Find credit card customer service information online
Credit card issuers put their contact information online, and many issuers offer more than one method of contacting customer service. So visit your credit card issuer’s website or log into your online account or app to learn what kind of customer service options are available.
For example, if you have a Chase credit card, the Chase credit card contact information includes the option to call Chase Customer Service at 1-800-935-9935 or to send Chase a message on Twitter @ChaseSupport or Facebook. (If you decide to send Chase a message over social media, don’t include your credit card number or personal information.) You can also use Chase’s resource hub to find answers to frequently asked questions and solutions to common issues—which might save you the trouble of contacting customer service all together!
Customer service contact information by credit card issuer
Want fast, easy access to credit card customer service? Here’s the customer service information for several major credit card issuers:
|Card issuer||Online contact information||Customer service number||Social media accounts|
|American Express||American Express Customer Service||1-800-528-4800||@AskAmex|
|Bank of America||Bank of America Customer Service||1-800-732-9194||@BofA_Help|
|Capital One||Capital One Support Center||1-800-227-4825||@AskCapitalOne|
|Chase||Chase Customer Service||1-800-935-9935||@ChaseSupport|
|Citi||Citibank Customer Service||1-800-950-5114||@AskCiti|
|Discover||Discover Card Help Center||1-800-347-2683||@Discover|
|Wells Fargo||Wells Fargo Credit Card Help||1-800-642-4720||@Ask_WellsFargo|
Remember: If you contact your credit card issuer on social media, don’t include your credit card number or any of your personal information in the message. If you are sending screenshots of the issue you are experiencing, make sure no sensitive personal or financial information is visible.
When should you contact your credit card issuer?
There are many good reasons to contact your credit card issuer. Maybe you want to request an increase in your credit limit, for example, or you want to report a suspicious charge. Here are some of the most common situations in which you might want to contact your credit card issuer:
- Report credit card fraud
- Initiate a credit card chargeback
- Request a credit limit increase
- Request a lower interest rate
- Discuss credit card debt relief options
- Apply for credit card forbearance
- Negotiate a debt settlement
You can also call your credit card customer service number to get answers to basic credit card questions like “what’s my balance?” and “when is my next payment due?” That said, it’s often just as easy to find that information by logging into your online credit card account or app.
How can you prepare for the call?
If you are planning to contact your credit card issuer, make sure you prepare for the call in advance. Have your credit card number ready, as well as the last four digits of your Social Security number. If you are hoping to report a suspicious charge or initiate a chargeback, make sure you have all of the information related to the disputed charge close at hand—the date on which the charge was made, the amount charged to your card and so on.
If you want to talk to your credit card issuer about increasing your credit limit or lowering your interest rate, be prepared to share any relevant information that might help you make your case. For example, if you want a higher credit limit, can you prove that your income has recently gone up? You may also want to highlight your positive credit history. Credit card issuers are more likely to grant these kinds of requests to people who regularly make on-time payments and manage their credit accounts responsibly.
If you need to contact your card issuer about hardship programs or debt relief options, be prepared to discuss your current financial situation. Let your card issuer know that you want to work together to find a solution that allows you to remain current on your credit card accounts and avoid damaging your credit score. If you’ve gotten to the point where you’re ready to discuss debt settlement, be prepared for your credit score to take a hit.
There are many ways to contact your credit card issuer, from calling customer service to sending a direct message on social media. There are also many good reasons to contact your card issuer, whether you want to report a suspicious charge or whether you want to discuss debt relief options. If you plan on contacting your credit card issuer, make sure you prepare for the call in advance. That way, you’ll be ready to have an informed, efficient conversation that is more likely to get you what you need.