Credit cards w good customer service?

 I'm looking for a credit card with the following characteristics:
(1) No annual fee
(2) No monthly charges if the balance is paid in full
(3) Good customer service

I don't care about interest rates, rewards, cash back, etc.

(I've had a citibank card up to now, but the customer service has gotten
bad.)

TIA,

S

 

A good web site to shop for credit cards is http://www.bankrate.com

From personal experience, I can tell you that I have never had any
problems with Bank of America, Chase, and American Express.

 


I don't think so, unless you're a person who carries a balance. The OP
says he pays in full each month.


Yeah, well, that sort of depends on what you do with the card. If you
don't ever have any charge backs, misapplied payments, or similar
difficulties you won't have any problems with customer service on any
credit card. The absence of problems is not an indication of good
service. You have to have the problem and then watch what they do.

Several of my credit cards have had fraud problems, one reported by
myself and the others by the card issuer (one was Citibank). Customer
service cancelled and replaced the cards promptly without problems in
all cases.

For foreign charges (you don't need to be in a foreign country to make
foreign charges!) the best is Capital One IMO. No surcharges,
transaction, or foreign exchange fees unlike Citi and Chase who rape
you financially.

I also have Capital One for my checking account. I get interest (not
much but better than nothing) but the big advantage is that in their
on-line bill pay you can specify the date you want them to pay the
bill. For credit cards (including their own) I set it up each month to
pay on the due date, not a moment before. If it's say the 15th of the
month the money comes out of my account on the 15th and goes into the
CC card company's on that same date. No more float. They guarantee
performance. The only exception is where they have to issue a paper
check in which case they take the money a couple of days early.

Back a couple of years ago I asked about such an arrangement on this
very NG and the resident expert (you know who I mean) said it couldn't
be done and his opinion was seconded by a whole chorus of "Boy, you're
stupid to think you might actually get some service from the system"
from others including one guy who explained how the system worked in
detail and how it couldn't possibly do what I wanted given that I was
a little nobody. Well, Capital One took over my then current bank and
I was transferred to this new wonderful bill pay system. Jeez
everything comes eventually to him who waits, I suppose.