Who has the BEST credit card customer service?

**syncro** · Sep 14, 10, 7:01 pm

It's time to apply for a new credit card but I want to know where I can get the best credit card customer service possible. I am sick and tired of Indian call centers and being treated like a number. Which credit card co. offers the best customer service right now?

**jeffysdad** · Sep 15, 10, 5:18 am

Discover
FIA Card Services (Bank of America) Fidelity Amex
American Express
Chase

Citi is the worst, imo.

**Generallisimo** · Sep 15, 10, 11:13 pm

Originally Posted by jeffysdad

Discover
FIA Card Services (Bank of America) Fidelity Amex
American Express
Chase

Citi is the worst, imo.

I would have been inclined to agree with jeffysdad about chase bank having excellent customer service (that's pretty much the only thing they got going for them, customer service aside, I do not recommend chase). But from the recent event of their website being out for a day, I take that back. It is not the outage that enrages me, those things happen. It is the fact that their website said [U]absolutely nada about what was wrong. How was anyone supposed to figure out that they were not the only one with this problem if they do not read online websites? And finally, they mention something, but frankly, it's pathetic-- I hope they made some major cut-backs on their PR team because this is something you expect from a high school student, not a well-paid marketing team. For goodness sakes, I work at an underfunded government agency and even then we have a twitter and facebook account to post updates to our customers, you're telling me no one thought of this in their PR team?

https://www.chase.com/index.jsp?pg_n...ng/page/outage

To their credit though, when I called to check on my balance, I got through to someone in 5 minutes. Regardless, I was in the process of closing my accounts anyway, so this recent event vindicated my decision.

**jeffysdad** · Sep 16, 10, 4:47 am

I also experienced that outage. It was out most of the day yesterday with no notice. The day before the site was down the entire day, but there was a notice when you tried to log in. I had hoped they were revamping the site, but it still looks the same. Some of their pages now are also showing the OLD Freedom card design rather than the new one. What up with that?

**Mogul of Pineapples** · 9:07 pm

If old cards images were being shown they probably had to re-build the site from an old back and that is something else that makes no sense for a company like Chase.

The email they sent me yesterday was even more vague than the above posted message.

We recently experienced a service interruption that affected the chase.com website and mobile services, and we apologize if this created any difficulties for you. We have resolved the problem, and want to assure you that your account information was not compromised as a result of this outage.

We know that our customers rely upon the 24 hour access to their account information provided by Chase.com. This was not the level of service we know you expect, and we will work hard to better serve and communicate with you.

Your accounts and confidential information remain secure and we want to remind you that Chase will never ask for your personal information or login credentials via email.

Please accept our apology for any inconvenience this may have caused. We’re continuing to work hard to maintain your trust and confidence.

We’re always here to assist you.

But back to the question of who has the best credit card customer service, for a long time I said AmEx but lately I feel Discover gives them a run for their money. The reason I say this is I encountered a foreign CSR for the first time last month when calling AmEx late night. With Discover you always have Americans no matter what time you call. As jeffydad mentioned broker affiliated cards like the FIA Card Services (Bank of America) Fidelity Amex usually have good service too - their customers have money so they don't screw it up. The broker knows their reputation is on the line which is why the Fidelity is the only FIA card with good customer service.

**LTomBerry** · Oct 12, 10, 5:41 pm

USAA wins hands down. You are eligible for the credit cards and other banking products without meeting the other military criteria, you just don't have access to their insurance.

Discover comes in a close second.

**fffresh** · Oct 14, 10, 2:12 pm

I would have to concur with Mogul. As of today Discover is the only major issuer which offers US-based customer support to all cardholders.

**Smerri** · Oct 20, 10, 12:21 pm

I have had Discover than May 08 and have to say I absolutely hate their customer service. I had one good person a week or so ago and told her I would like to recommend her to her supervisor or take a post call survey because she was by far the best customer service rep and I told her to that everyone else I have ever delt with there sucks. (If my Discover wasn't my longest running credit card by two years then I would have cancelled it and told the company to scew!)

I would vote AmEx. I have yet to have an issue with them.

**Cucumber** · Oct 30, 10, 2:05 pm

I havent had any problems with Discover [yet] but I haven't had any big issues or anything to deal with customer service yet.

**Iroquois** · Oct 31, 10, 8:09 pm

B of A seems like they panicked least during the credit meltdown and have been remarkably helpful whenever needed. CSR are helpful and well trained.

Very poor recent experience with Discover on a mistake that they recently made. CSR s "smiled" nicely on the phone but their process was/is woefully disconnected from credit group. They misposted an eft payment which had been done correctly. While they fixed their posting error quickly when advised of it, the error lead to a false delinquency flag being raised. Credit wouldn't back off the dq easily and just fix their error (which they still haven't) without doing a credit review.

Chase has made someheadlines recently. It was truly surprising that there wasn't redundancy when their website was down. Amex made headlines too as a leader in cutting credit during the worst of the credit meltdown, and in doing so may have paniced and overreacted based on some WSJ stories.

Actions speak louder than words. I've had multiyear relationships with most of the major cards as a consumer. Of all, I have the least concerns about BofA and the highest customer satisfaction.

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Who has the BEST credit card customer service?

Place Discover near the bottom; BofA near the top