cc with best and worst customer service

[Weights]

I thought this would be a useful post.  As the title suggests, from your personal experience, which credit card issuers overall has the best and worst customer service? It can be any creditor, such as banks, credit unions, etc.  Please elaborate as to why. 

From my own experience:

   Best: American Express

   Worst: Capital One

I haven't had AMEX for very long, but they've always been pretty courteous to me, and a couple of claims I filed were honered with no hassels at all.  The reps also seemed to genuniely care about my satisfaction with the account and customer service.  So long as things continue to be good, I plan to keep the account open indefinitely. 

Capital One, on the other hand, never seems to resolve much of anything until you get the EO involved, and even then, it can be a questionable outcome.  For example, they refused to remove their duplicate tradeline when my Best Buy account was transferred to Citi, effecting my AAOA, even though Citi was reoprting the exact same information (open date, payment history, etc).  Also, it seems you often have a language barrier with the front line reps.  I will never apply for an account owned by them again. 

[-Wade-]

---

@Weights wrote:

I thought this would be a useful post.  As the title suggests, from your personal experience, which credit card issuers overall has the best and worst customer service? It can be any creditor, such as banks, credit unions, etc.  Please elaborate as to why. 

From my own experience:

   Best: American Express

   Worst: Capital One

I haven't had AMEX for very long, but they've always been pretty courteous to me, and a couple of claims I filed were honered with no hassels at all.  The reps also seemed to genuniely care about my satisfaction with the account and customer service.  So long as things continue to be good, I plan to keep the account open indefinitely. 

Capital One, on the other hand, never seems to resolve much of anything until you get the EO involved, and even then, it can be a questionable outcome.  For example, they refused to remove their duplicate tradeline when my Best Buy account was transferred to Citi, effecting my AAOA, even though Citi was reoprting the exact same information (open date, payment history, etc).  Also, it seems you often have a language barrier with the front line reps.  I will never apply for an account owned by them again. 

---

For the best i would have to go With Discover over Amex.  The reason is Discover is  in the good ole USA and every time i call them they give me the service that i want.

Other than wanting to do a hard pull everytime i ask for a CLI

[Themanwhocan]

The worst is USA Prime Credit.

[Pat94108]

To me, Best: Amex, Chase

Worst: Capital One. 

[JasonKR]

Best: Discover, Amex

-> They know what they are doing.

Between: Chase

-> Overall good, but not great IMO

Moderate: BoA, Capital One, 

-> Never had problem with. but for BoA, had problem with unsecuring secured card

Worst: Citi

-> Wanted to change card design, but why are they talking about photocard every time I contact them?

[grinlikechelsea]

Best: Discover, Chase, Amex, and Cap 1's EO.

Worst: Huntington and BoA/FIA. Huntington was the worst to deal with when I had my credit card stolen. Whenever I call BoA/FIA (backdoor), I just get transferred around.

[Weights]

I'll add that the Chase Sapphire team is up there, and sometimes, exceeds AMEX in my experience.  Chase's EO has been good to me too.  Their other areas are so-so.  Discover has been good to me as well, with the exception that they almost always side with merchants on chargebacks.  Discover EO has been good overall as well.

Citi has surprisingly been pretty good to me on the Best Buy card, though I do wish they'd let me PC to a platinum MasterCard.  Sadly enough, Citi has given me much better service than I received from Capital One. I'll also note that HSBC was at the bottom with Capital One in my experience with them.

[drkaje]

USAA always has friendly, helpful people.

Amex is hard to beat overall, though.

Chase and Citi are very good, for me.

I let cards from companies with bad service go.

[EmmyWannabeOrman]

Capital One, they helped me tremendously with the Secured card... But the reps are never consistent

[juggalo9er]

---

@EmmyWannabeOrman wrote:

Capital One, they helped me tremendously with the Secured card... But the reps are never consistent

---

+1 as much as every thread of my body wants to dislike capitol one, i really cann't as they did issue my first credit card after bankruptcy