Toll-free · Press 0 (operator) at each prompt · Say or enter the last 4 digits of your card number.
How do I get through the phone menu to a real live person?
GetHuman researchers routinely call this Capital One Credit Card phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 0 at the first menu. Next, say "Representative" (You will have to say it a few times).
Here is how our research team describes the way the Capital One Credit Card phone system greets you: Say or enter the last 4 digits of your card number.
Below are some clips we've found from Capital One Credit Card's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thanks for calling Capital One.
What was that?
What are the last four digits of your credit card number?
You can also
That doesn't seem to match what I have on file. Let's try again."
Excerpt from a call with Capital One Credit Card
Wednesday, January 3, 2024 8:22 AM
They may ask your reason for calling (instead of a menu)
"You can also say apply for a new account.
I understand that you want to talk to a representative.
But I'll be better able to help you once I can find the account you're calling about.
Got it.
To better help you, please tell me what you're calling about today."
Excerpt from a call with Capital One Credit Card
Saturday, March 16, 2024 9:34 PM
They may ask you to enter information with the dial pad
"Thanks for calling Capital One.
This call is being recorded.
What was that? What are the last it looks like we're having some trouble.
Let's try another way. Using the keypad on your phone, please enter the last four digits of your card number."
Excerpt from a call with Capital One Credit Card
Thursday, January 25, 2024 4:36 PM
They may ask you to say or enter information
"Thanks for calling Capital One.
This call will be monitored and recorded for quality assurance training, and authentication purposes.
Please say or enter your sixteen digit card number."
Excerpt from a call with Capital One Credit Card
Friday, April 5, 2024 9:16 PM
They may need to look up your account
"I understand that you want to talk to a representative.
But I'll be better able to help you once I can find the account you're calling about.
To try entering your card number again, press one.
To use your Social Security number to look up your account, press two."
Excerpt from a call with Capital One Credit Card
Saturday, March 23, 2024 8:38 PM
The first phone menu
"Thanks for calling Capital One.
This call is being recorded. Please say or enter your sixteen digit card number.
No problem.
Which of these are you calling about? Your current account, the status of a new account application, or applying for a new account?
You can also say what was that?
Say my current account.
Or press one, status of a new account application or press two, apply for a new account, or press three.
You can also say help me with something else or press four."
Excerpt from a call with Capital One Credit Card
Tuesday, March 12, 2024 9:53 PM
What are the hours and when should I call?
Capital One Credit Card operates the call center for this 800-955-7070 phone number 24 hours, 7 days.The short answer is that you should call on a Thursday.This observation and the following section are based on analysis of a sample set of 608 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Capital One Credit Card phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Capital One Credit Card staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Capital One Credit Card is Sunday.The most busy day to call is Monday, which averages 79% more phone calls by comparison.Again, this is based on a sample of 608 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Tuesday.The longest wait in the queue on average occurs on Thursday.
The best time to call
In summation, the best day to call Capital One Credit Card is Thursday.
Why call this Capital One Credit Card number?
Below is a sample of recent calls to Capital One Credit Card, and their purpose. Are any of these similar to the reason you are trying to call?
Credit card application: "I want to apply for a credit card."
- From a call lasting 4m 13s , Apr 5, 2024 9:16 PM
Payment inquiry: "I had scheduled a payment but it came out the same day, which typically never happens."
- From a call lasting 6m 55s , Apr 2, 2024 4:10 PM
Verifying identity: "Benjamin, my name is Kitzy, K I T S Y, Last name, Lauter, L O W T H E R."
- From a call lasting 4m 25s , Mar 26, 2024 8:33 PM
Status of new card: "I was approved for a new card about ten days ago, but I have not received it yet."
- From a call lasting 4m 4s , Mar 16, 2024 9:34 PM
Report possible fraud: "My card is not working, I heard that there's some fraudulent activity on it."
- From a call lasting 17m 39s , Mar 13, 2024 5:47 PM
Questions about account linkage: "How can my account be linked when I only have one account?"
- From a call lasting 29m 3s , Mar 8, 2024 11:21 PM
Concern about fake calls: "I've been getting a lot of calls from people claiming to be Capital One from different numbers every day."
- From a call lasting 26m 17s , Mar 5, 2024 4:47 PM
Billing inquiry: "Does it show you, like, my bill or how much I owe?"
- From a call lasting 5m 13s , Mar 1, 2024 2:42 AM
Disputing a charge: "I want to dispute a charge made to my card by Apple and need help with getting a refund."
- From a call lasting 21m 31s , Feb 15, 2024 9:37 PM
Making payment: "I need to make a payment."
- From a call lasting 5m 48s , Feb 9, 2024 2:36 PM
More Ways to Contact Capital One Credit Card Customer Service
There are of course other ways to contact Capital One Credit Card customer service besides the phone. Below we list the best ones, by medium.
Use the link to connect with customer service through Twitter
Capital One Credit Card, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
As a last, sometimes only, resort- Capital One Credit Card customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Capital One Credit Card's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Capital One Credit Card agent. This phone number is Capital One Credit Card's best phone number because 24,120 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-955-7070 include Technical Support, Refund or Suspicious Charges, Update Account Information, Recover Account, Setup Payment Arrangement and other customer service issues. The Capital One Credit Card call center that you call into has employees from Massachusetts, Louisiana, Utah, Virginia and is open 24 hours, 7 days according to customers. In total, Capital One Credit Card has 3 phone numbers. It's not always clear what is the best way to talk to Capital One Credit Card representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Capital One Credit Card. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Capital One Credit Card. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.