Current Wait: 22 mins (16m avg)
Hours: 24 hours, 7 days; best time to call: 9:30am
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Get to a live person fastest: Press 9 for customer service, then 1 for information about your credit card. Instead of putting in your credit card number or your SSN, just start pounding in random numbers until the phone starts ringing and you'll get through to a CSR.