cc with best and worst customer service

[BearsAndTurtlesRtheBest]

My dad called WF so he could get the "mountain design" since he currently has a CC that has his own design which I think looks really tacky, so I told him to call them and request a Mountain design

Well after transferring him to 4 REPS they would all tell him the same that you can customize it using their blah blah blah, 2 of those reps where very unpatient. Has anyone had success doing this?

[dabrian]

Hard to imagine someone having better CS than Discover, everytime I call they have been nothing but topnotch.

[Chris679]

Here is how I grade them on my personal experiences:
AMEX (A): the gold standard
Citi (A): use this card the most by far and they treat me well
Discover (B): super friendly and knowledgeable, easy to PC to the It card but would not do CLI without HP
Capital One (B): EO is awesome but the normal CSRs are brutal
Chase (C): very friendly and knowledgeable but would not PC my Slate to Freedom or do CLI because the computer would not allow it, supervisor even acknowledged that it would be their lose since I'll just use other cards
Bank of America (F): CSR said my CLI would be soft pull and it was not, it was not and was denied. After two calls to backdoor CA I got it but no excuse for bad info from CSR

[Anonymous]

+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

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Why would you WANT to dislike them?

[Anonymous]

After two calls to backdoor CA I got it but no excuse for bad info from CSR

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I work in a call center and I can tell you from personal experience that you really can't blame the company because a CSR gave you bad info. Across the board, this is the way it is. It's just the nature of the business.

[chwebb1]

Best: Discover. I love their reps (they're always nice, friendly, and personable). They always answer my questions/resolve my issues professionally. They're based in the US. I sometimes forget I'm talking to a bank with them (in a good way).

2nd Best: American Express. Their dispute process is relatively painless. They generally side with the cardmember too. The "extras" that come with the card like return protection are easy to claim, prompt in paying out claims, and generally very good. Amazing credit lines and SP for CLIs. I sometimes get phone reps not based in the US when I call (boo). That is the only thing that prevents me from putting them above Discover, because otherwise, they're essentially the same, customer service wise.

Good: Barclays: I don't really have much to say about them that's negative. The reps are US based (for the Ring at least). They're helpful and courteous too.

Good: Citi: The only real complaint that I have about them is the fact they try to sell me on a BT when I call. When you call someone in the card side of things, you get a US based rep. Their online support team isn't based in the US in my experience, and they are definitely less helpful than the card customer service people. Otherwise, I'm happy with them.

Meh: BB&T: Nothing to say about them one way or the other. The only real reason I cancelled their card is the fact that the rewards are crappy.

Meh: Bank of America: Their reps aren't particularly helpful. I called to make sure I set up my auto-pay correctly, and they just told me "Go look at the website". Thanks, I know how to see that it appears that I've set it up correctly, I just want confirmation that I did so. It's only my credit at stake here. They only have around $30 billed to their card, so it's not super important how their customer service is to me though. My other cards are my daily spenders.

Meh-Bad: Chase: Their CSRs aren't helpful at all, and they don't seem to care about what issues or concerns you have. Good riddance to them.

[Weights]

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@chwebb1 wrote:

Best: Discover. I love their reps (they're always nice, friendly, and personable). They always answer my questions/resolve my issues professionally. They're based in the US. I sometimes forget I'm talking to a bank with them (in a good way).

2nd Best: American Express. Their dispute process is relatively painless. They generally side with the cardmember too. The "extras" that come with the card like return protection are easy to claim, prompt in paying out claims, and generally very good. Amazing credit lines and SP for CLIs. I sometimes get phone reps not based in the US when I call (boo). That is the only thing that prevents me from putting them above Discover, because otherwise, they're essentially the same, customer service wise.

Good: Barclays: I don't really have much to say about them that's negative. The reps are US based (for the Ring at least). They're helpful and courteous too.

Good: Citi: The only real complaint that I have about them is the fact they try to sell me on a BT when I call. When you call someone in the card side of things, you get a US based rep. Their online support team isn't based in the US in my experience, and they are definitely less helpful than the card customer service people. Otherwise, I'm happy with them.

Meh: BB&T: Nothing to say about them one way or the other. The only real reason I cancelled their card is the fact that the rewards are crappy.

Meh: Bank of America: Their reps aren't particularly helpful. I called to make sure I set up my auto-pay correctly, and they just told me "Go look at the website". Thanks, I know how to see that it appears that I've set it up correctly, I just want confirmation that I did so. It's only my credit at stake here. They only have around $30 billed to their card, so it's not super important how their customer service is to me though. My other cards are my daily spenders.

Meh-Bad: Chase: Their CSRs aren't helpful at all, and they don't seem to care about what issues or concerns you have. Good riddance to them.

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I definitely agree with you on one point with AMEX: it's rather annoying to get reps that are overseas at times.  When I've called on a couple of occassions, I've asked to be transferred to a rep in the United States.  It isn't that the first rep was being unhelpful so much as I couldn't understand the individual.  It certainly is nice that Discover always has US based reps, and are very professional and courteous as well.  The problem I have with Disover, as mentioned previously, is that they almost always side with the merchant in the even of a transaction dispute.  This is why I'm very selective as to where I use it.  The fact that AMEX is nearly the opposite in this case, in addition to being very good about honoring benefit claims, is why I personally rate them above Discover.  

[SunriseEarth]

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@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. 

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It's accurate information.  Why should they faulted for reporting accurate information?  

I haven't always achieved my desired results with the CapOne EO, but they have provided excellent service for me.  

[enharu]

Threads like this are often very subjective and biased, as evident from some of the posts.

When a customer gets to have his way, whether it is for an approval, CLI request, upgrade, sp CLI, etc., they are happy.

When things don't go the way they hope, they are unhappy, and most of the time the customer service department bears the brunt of the blame.

[CreditScholar]

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@enharu wrote:
Threads like this are often very subjective and biased, as evident from some of the posts.

When a customer gets to have his way, whether it is for an approval, CLI request, upgrade, sp CLI, etc., they are happy.

When things don't go the way they hope, they are unhappy, and most of the time the customer service department bears the brunt of the blame.

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+1. I find that it's often impossible for people to be objective regarding matters such as these.

Many people take credit so personally, can't even recognize things that are really their own fault, and/or don't understand how the game is played. It's often much easier to blame the lender and call it poor customer service (or as some like to put it, "CUSTOMER RISK").