Credit Card Customer Service

By: EconomyWatch Content   Date: 29 October 2009

About The Author

EconomyWatch Content

Follow The Money

EconomyWatch, Content Team

 

  • Dot Div
  •      

When selecting a credit card company, an important factor is the company’s credit card customer services; it's just as important as the card's APR or advanced security features. CreditorWeb conducted a survey on the credit card customer services offered by the top five issuers based on the following parameters:

  • Helpful websites: The sites of the credit card issuers were measured on their user friendliness and the ease of finding the toll-free phone numbers.
  • Knowledge of agents: This parameter checked the responses of the card issuers on three advanced credit card questions, such as security features, APR availability and debt consolidation.
  • Helpfulness of agents: The general sense of treatment to customers was accessed.

Comparing Credit Card Customer Services

Bank of America Credit Card Customer Service

Although the bank offers standard services and has widespread brand recognition, its actual customer service is affected by the width and breadth of the company’s operations. The customer service of the bank’s credit card department lacks personal care and the information provided by the customer care executives is hard to find on Bank of America’s website.

Chase Credit Card Customer Service

Although the company offers useful features, it also has ample features that are frustrating for customers:

  • Limited information until customers agree to apply
  • Long waiting time with bad music
  • Slightly confusing website
  • Dull or mechanical interaction with service representatives
  • Limited hours of availability for live interaction

Overall, the customer service of Chase was rated average.

American Express Credit Card Customer Service

The customer service department of American Express offers sufficient features to satisfy the bank’s customers. The representatives seem to be experts at analyzing customer requirements and making recommendations by asking only a few questions. American Express’s customer service skills are just short of being excellent.

Citibank Credit Card Customer Service

Citibank boasts a clear and concise website directory and simple access to a live person. The interactions with customer care representatives give an impression that they are happy working for Citibank and they love to make the bank’s customers as happy and satisfied.

Discover Credit Card Customer Service

Aside from offering the most practical perks, the issuer makes its customers feel valued and respected through its interactions. The company’s customer services department scores on hospitality and professionalism.

Most companies focus more on marketing their products rather than on after-sales services. It is therefore important to evaluate credit card customer services before zeroing in on buying a particular credit card.

 


  • Dot Div
  •      

Most Popular in Credit Card Guide

Related Links
blog comments powered by Disqus