Credit One Bank Customer Service

Phone Number & Contact Info

Credit One Bank's Best Phone Number

877-825-3242
Toll-free·Calls Customer Service·Most popular Credit One Bank number
Q:

How do I talk to a live human at Credit One Bank?

A:Must enter the "last 4 digits of social security #."
Q:

Does Credit One Bank offer 24 hour customer service?

A:Not at this number; hours here are Mon-Fri 5am-9pm, Sat-Sun 6:30am-5pm PST. The least busy day is Sunday, and the most busy day is Tuesday.
Q:

How long will I wait on hold?

A:The average hold time is 15 minutes. The longest hold times are on Tuesday, and the shortest are on Thursday. How is this calculated?

Credit One Bank Customer Phone Numbers

Billing

888-729-6274
Toll-free · Mon-Thurs 5am-7pm, Fri-Sat 5am-3pm, Sun 7am-3pm PST · Direct to Collections · Enter the last 4 digits of your Social Security number.

Automated Account Information

877-825-3242
Toll-free · 24 hours, 7 days · Press 1, then 0# each time it asks for your card number, then 0, then 0# each time it asks for your card number, then 0 · Enter the last 4 digits of your Social Security number.

Application Information

800-752-5493
Toll-free · Mon-Fri 5am-9pm, Sat-Sun 6:30am-5pm PST · Direct to Application Information · Enter the last 4 digits of your Social Security number.

Website Customer Service

800-797-4299
Toll-free · Mon-Fri 5am-9pm, Sat-Sun 6:30am-5pm PST · For Website Related Inquiries · Enter the last 4 digits of your Social Security number.

Fraud Detection

888-362-0005
Toll-free · 24 hours, 7 days · Direct to the fraud department · For fraud investigations, either leave a message with your full name or call customer service at 877-825-3242.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Credit One Bank 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: Must enter the "last 4 digits of social security #."
Here is how our research team describes the way the Credit One Bank phone system greets you: Enter the last 4 digits of your Social Security number.
Below are some clips we've found from Credit One Bank'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:

They may ask you to enter information with the dial pad

"Welcome to Credit One Bank.
Press one for English.
Please enter the last four digits of your card number."
Excerpt from a call with Credit One Bank
Thursday, May 2, 2024 4:35 PM

What are the hours and when should I call?

Credit One Bank operates the call center for this 877-825-3242 phone number Mon-Fri 5am-9pm, Sat-Sun 6:30am-5pm PT. 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 1,381 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 Credit One Bank 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 Credit One Bank 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 Credit One Bank is Sunday. The most busy day to call is Tuesday, which averages 181% more phone calls by comparison. Again, this is based on a sample of 1,381 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Busiest
Wed
Thu
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Tuesday.

The best time to call Credit One Bank

In summation, the best day to call Credit One Bank is Thursday. It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Credit One Bank staffs up on Thursday to handle the higher call volume, and that makes it the best time to call.

Why Customers Call Credit One Bank

If you have time to do a bit of reading before you call Credit One Bank, we recommend you read over some of our problem-specific articles.

What credit score is required to be approved for a Credit One Bank card?

The credit score required to be approved for a Credit One Bank card can vary depending on various factors. Credit One Bank offers a range of credit cards designed for individuals with different credit histories. Some cards are tailored for customers with less than perfect credit, while others are suitable for those with good or excellent credit scores. To determine if you meet the criteria for a Credit One Bank card, it is best to apply online or contact their customer service for specific information. The application process includes a review of your credit history, income, and other relevant factors in determining your eligibility for a Credit One Bank card.

How Do I Increase My Credit Line with Credit One Bank?

As a current Credit One Bank customer, you have several options to request a credit line increase. You can wait for an automatic increase, request an increase online or call Credit One Bank customer service to request an increase. When considering a request for a higher credit line, Credit One Bank will look at your current debt, income, credit score and credit utilization ratio. You can increase your chances of getting approved by paying down your current debt, requesting your credit score and keeping your Credit One Bank account in good standing.

How Do I Cancel My Credit Card with Credit One Bank?

There are two major ways to cancel your Credit One credit card; on the phone or by mail. The fastest option to cancel your card is on the phone. The support agents may give you other alternatives to canceling your card. You may keep your account open even if don't need to use it.

Top Credit One Bank customer service problems

Click the link above to get answers to just about any Credit One Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Credit One Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Reported missing credit card: "I'm missing a card, and I reported it last month."
- From a call lasting 13m 7s , May 19, 2024 11:28 PM
Updating bank account information: "I was just calling to give you guys the new bank account info."
- From a call lasting 6m 55s , May 2, 2024 4:35 PM
Late fee query: "I see that I was charged a late fee, but I did make my payment yesterday prior to five PM."
- From a call lasting 6m 27s , Mar 28, 2024 1:49 PM
Verifying company name: "Just wanted to make sure I was calling the right place."
- From a call lasting 1m 37s , Mar 28, 2024 1:43 PM
Inquiring about past credit card: "I had a credit card with you guys a couple of years ago and I would like to know if you could help me find it."
- From a call lasting 3m 16s , Mar 26, 2024 6:06 PM
Credit limit clarification: "My credit limit is $300 but I only spent $195 - I think there's a mistake in my available balance."
- From a call lasting 9m 28s , Mar 26, 2024 1:14 AM
Requesting duplicate card: "I was looking for a duplicate card because I have to cut mines up."
- From a call lasting 4m 26s , Mar 25, 2024 5:34 PM
Inquiring about missing card delivery: "I wanted to know why my card hasn't arrived yet after being shipped on the fifteenth."
- From a call lasting 4m 41s , Mar 22, 2024 5:56 PM
Card delivery inquiry: "I applied, got approved, been logging in online, but haven't received the card yet, despite a specific expected delivery date of March 21st."
- From a call lasting 6m 1s , Mar 21, 2024 2:46 PM
Checking card shipment status: "I wanted to know if my card has been shipped."
- From a call lasting 4m 17s , Mar 20, 2024 8:41 PM

More Credit One Bank Customer Service Contacts

There are of course other ways to contact Credit One Bank customer service besides the phone. Below we list the best ones, by medium.

Credit One Bank Customer Help Desk / Web Support

creditonebank.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Credit One Bank 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 Credit One Bank'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 Credit One Bank agent. This phone number is Credit One Bank's best phone number because 102,504 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 877-825-3242 include Dispute a Charge, Cancel My Account, Account Access, Trouble Sending a Payment, Get Banking Help and other customer service issues. The Credit One Bank call center that you call into has employees from Nevada and is open Mon-Fri 5am-9pm, Sat-Sun 6:30am-5pm PT according to customers. In total, Credit One Bank has 6 phone numbers. It's not always clear what is the best way to talk to Credit One Bank 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 Credit One Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Credit One Bank. 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.

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