Here is the contact information for the biggest credit card issuers. While credit card issuers provide multiple ways to contact customer support, speaking with an agent over the phone may deliver the quickest solutions in real time.
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If you’re looking to contact your credit card company, check out our list below for contact numbers for the biggest credit card issuers. If you don’t see your card issuer’s contact information below, call the number listed on your credit card for customer support.
Let’s look at the various ways you can contact your credit card issuer and when it makes the most sense to call your credit card’s customer service division.
Ways to contact your credit card issuer
You can manage your account and resolve issues by calling the number on your physical credit card. But if you’d rather not handle issues over the phone, your card issuer likely offers other avenues to connect.
Call the number on your card
If you need to pay your credit card bill or review your payment history, you can probably do so through your online account or your credit card’s mobile app. But sometimes, it may be better to speak with a customer service representative to resolve a billing issue, report fraud, or discuss another matter. In that case, your best bet may be to call the number listed on your physical credit card.
Generally, when you call this customer service number, you’ll be presented with multiple service options to address your needs, such as:
- Verifying your account balance
- Checking your payment status
- Reviewing your last payment date
- Reporting fraud or a lost or missing credit card
- Speaking with a customer service representative
Find contact information online
If you’d rather not wait on hold to get customer assistance, you can typically resolve issues quickly and easily through your online account or mobile app.
For example, if you have a Wells Fargo credit card, you can manage your account and handle most issues online. Additionally, you can access your account through Wells Fargo’s mobile app with a password, facial recognition or a fingerprint. The app allows you to perform routine account management functions like paying your bill and not-so-routine tasks such as locking your credit card for security purposes.
Many credit card issuers are offering new ways to get support. For example, Chase and Bank of America offer digital assistants through their apps that can help you manage your accounts and get answers to common questions.
Additionally, you can now interact with most major credit card issuers through their social media channels. Take caution, however, not to include any personal information –such as your credit card number and identifying information – whenever you contact your credit card company on social media.
Customer service contact information by credit card issuer
Listed below are contact details for major credit card issuers, most of which also offer access to your account online or through a mobile app.
American Express Customer Service
Bank of America
Bank of America Customer Service
Citi Credit Cards
1-800-950-5114 (or the number on the back of your card)
Discover Card Customer Service
When should you contact your credit card issuer?
Most of the time, you can manage your credit card account online. Still, there are times when it may make more sense to speak with a customer service representative by telephone and resolve issues in real-time. Here are some instances when calling a live customer service agent may be best:
When your card is lost or stolen
Always report stolen or missing credit cards as soon as possible. When you call customer support, the agent will verify your last transactions, deactivate your credit card, and send you a new one.
When you suspect fraud
If your credit card statement includes transactions you don’t recognize, contact your card issuer immediately to remove them from your account. According to the Federal Trade Commission, federal law limits your liability for fraudulent charges to $50, as long as you report the credit card fraud within 60 days (although most credit cards come with $0 liability).
When your card is abruptly declined
Having your credit card rejected without notice can be a frustrating experience. Your card issuer may decline a purchase when you exceed your limit, your card expires, it suspects fraudulent activity, or other reasons. Contacting your card’s customer service is usually the quickest way to discover the root of the problem and resolve it.
When you’re planning an international trip
Let your credit card issuer know where and when you plan on traveling to another country. That’ll help to ensure your card issuer doesn’t flag your transactions as fraudulent and decline them. When you contact customer service, verify your card will work in the country you are visiting and ask if your card charges foreign transaction fees for purchases you make out of the country.
Credit card companies offer multiple ways to contact them for support, from online accounts and mobile apps to chatbots and social media channels. But sometimes, speaking with a live person over the phone is the fastest and easiest way to resolve an issue.
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.