Bet You Didn’t Know: Elite Credit Card Customer Service

By Julian, author of Devil’s Advocate


Why does every credit card have a different customer service number on the back, even two cards from the same bank? Of course this is known as the “magic of branding” and it’s designed to make sure you can never easily remember one simple phone number for all your cards such as 1-800-CITIBANK or (888) CAP-1-SUX or any number that would be straightforward and uncomplicated, because who wants that, right?

credit card customer service

Actually, banks maintain separate customer service lines both for branding reasons and to reserve their best agents for their most valued customers. However, what many people don’t realize is that any customer service agent can access all the credit cards you hold at that bank.

This leads us to a very simple trick: no matter which card you’re calling about, always call the number on the back of the most premium card you have with that particular bank.

For example, if you’ve got questions about your American Express Delta card, call the number on the back of your AmEx Platinum or your Premier Rewards Gold. Then tell the agent you’re actually calling about your Delta account and they’ll be happy to help you with any issue you have. Ditto for using Chase Sapphire Preferred agents to handle your Chase Freedom card, or calling a Citi ThankYou Prestige number to work on any of your Citibank accounts.

credit card customer service

This trick will normally work only if you really have a card for the customer service number you’re calling — you can’t use a AmEx Platinum agent if you don’t have a Platinum card. But even a co-branded card such as an airline or hotel card may have better customer service than a standard no-fee card.

So the next time you have a question about your basic credit card, look over your card collection and instead try calling the agent for one of your fancier cards. With any luck you’ll be treated more like Queen Elizabeth than Shannon Elizabeth.

Did you know to always call the phone number of your premium credit card for the best customer service?

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Find all the “Bet You Didn’t Know” posts here.

About Devils Advocate

The Devil's Advocate learned the ins and outs of travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment (and yes, of course it’s all real). He now splits his time between New York and Los Angeles and loathes New York winters only slightly less than Los Angeles traffic.

More articles by Devils Advocate »

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9 Comments on "Bet You Didn’t Know: Elite Credit Card Customer Service"

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Voting option #4 should be….who is Shannon Elizabeth?


Why call Chase Sapphire Preferred when you can go a step further and call their Chase Palladium service reps?


Great tip! I wouldn’t have thought of it by myself.


I love calling Citi AAdvantage customer service, always get us based customer service. Calling Citi business credit card is also very good since its Florida based customer service. They will be able to access all of your Citi accounts.


This isn’t always true. I have had the AMEX platinum cs folks push me to different departments because they aren’t trained on all the specifics of sll products. One that comes to mind was associating my SPG number with a new card.

Rapid Travel Chai

The Ritz-Carlton card directs to JP Morgan elite line which is excellent, even sometimes if I call the number on other cards it now directs to them.


Another tip is to call their collect call number if you have a pressing issue and don’t have time to key in numbers to talk to a real person. The call will go straight to a real person.

arnell johnson

I have the chase sapphire preferred card but I am not sure if I am taking advantage of all it has to offer, special events promotions, airport lounge access etc….