![]() ![]() Your cardmember agreement should summarize all of the rules that govern your credit card. It's up to you to determine if waiting another few months is acceptable or you'd rather move the process along and call customer service to inquire further. You could search through customer reviews and learn that most people don’t actually receive their upgrade until they’ve used the card responsibly for twelve months. You check Discover’s website where you read that it considers upgrading accounts at the eight-month mark, but you haven’t heard anything yet. During that time, your credit improved significantly and you want to upgrade to an unsecured account. If you can find someone else who has experienced the same issue as you, chances are good you’ll find a solution to your shared problem.įor example, imagine that you’ve held your Discover secured credit card for nine months. ![]() Including search terms such as the name of the credit card provider, e.g., "Discover" or "Chase" or "Capital One," and your issue or question can make your search more productive. A quick Google search for your issue is often enough to find forums discussing related topics. The two most common sources for other customers’ comments are crowdsourced reviews and online forums. In these cases, you can broaden your search to places that other customers are likely to have posted their stories. Occasionally, the help center will fail to solve your problem, but you may still feel confident that your issue is one that others commonly experience. Your credit card provider should have some online resources that will help you figure out how to proceed, which is probably the fastest way to get the answers you need. If you can reasonably assume that other people have run into the same issue you’re having, you should almost always start your search here.įor example, if you were to lose your credit card, you wouldn’t be the first person to look for help with the issue. These are your best bets for getting answers to generic problems. The chances are high that your provider has established a help center or a library of responses to frequently asked questions. Most credit card providers have been around long enough to know which issues their customers run into frequently. Here’s everything you need to know to save yourself the hassle, including some of the best credit card customer service resources out there and when to use them. Wasting hours looking for answers in the wrong places is a recipe for an unnecessary headache. Unfortunately, it’s often difficult to determine whether you’d be better off calling in or solving it online. ![]() Even if nothing is wrong, you may have routine service needs, such as requesting a better rate or closing your card.ĭealing with these issues can be stressful, and you’ll probably want help from credit card customer service as soon as possible. In the process, you may occasionally come across unexpected fees, suspicious charges or other anomalies that warrant investigation. Reviewing your credit card statements is a great way to stay on top of your monthly payments. ![]()
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