I stumbled upon a great web posting today at the Myfico forum. The posting contains a list of what they call “backdoor” customer service numbers. Essentially, these numbers get you past the fumbling, useless, barely coherent customer service representatives that have no power and put you on the line with people who can make decisions.
Using these customer service numbers isn’t a magic bullet that will solve all your credit card problems. However, you may find that the people who answer these numbers are more capable of explaining and resolving your complaints than the reps you usually deal with.
Here are “backdoor” credit card customer service numbers for some of the largest issuers:
Bank of America Credit Card Customer Service Numbers:
Two numbers I found for Bank of America that should be helpful are 1-800-718-6072 which should connect you to a credit analyst. The second is 1-888-645-6733 which is for new application reconsideration after denial.
Capital One Credit Card Customer Service Numbers:
I found three numbers for Capital One that might prove useful. 1-800-625-7866 and 1-800-625-7866 are listed at “account specialist” lines. 1-800-951-6951 is listed as the customer relations line.
Chase Credit Card Customer Service Numbers:
1-888-245-0625 is the Chase credit analyst line.
Citi Credit Card Customer Service Numbers:
I found two good numbers for Citibank. The credit department number is 1-800-763-9795. If that doesn’t prove helpful, their customer retention number is 1-800-444-2568.
I hope access to these numbers proves helpful. If you use any of these and have positive results, please leave a comment below.
If you carry high interest balances on your credit card, you can learn more about how to save money with balance transfers in the 0% APR balance transfer credit card section of Smart Balance Transfers.