A:Press 0# then 0# then 0 then 0# then 5.Our free phone can also navigate phone menus to get a live human at Capital One for you.
Q:
Does Capital One offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Friday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 53 seconds.The longest hold times are on Saturday, and the shortest are on Thursday.You can skip the hold time for free.
Toll-free · 24 hours, 7 days · Press 1 then 0 · In a few words, tell us how we can assist you today. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Dial 0, for Capital One No Hassle Rewards · Say or enter the last 4 digits of your card number. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Use this number for Online Banking Assistance · In a few words, tell us how we can assist you today. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Keep saying "Representative" · Say or enter the last 4 digits of your card number. · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Capital One below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Capital One phone number to document the phone system.
Here is how our research team describes the way the Capital One phone system greets you: Which of these can I help you with? Credit cards, press 1. Bank account, press 2. Auto loans, press 3. Credit wise, press 4.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press 0# then 0# then 0 then 0# then 5
Below are some clips we've found from Capital One'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 your reason for calling (instead of a menu)
"Thank you for calling Capital One.
This call may be monitored and recorded for quality assurance, training, and authentication purposes.
Which of these can I help you with?
Credit cards, bank account, auto loans, or credit alright.
Bank account. Which of these are you calling about?
A personal or business bank account.
Alright. Personal. If that's not right, say go back.
Thank you for calling Capital One Bank.
This call may be monitored and recorded for quality assurance training, and authentication purposes.
How can we help you today?"
Excerpt from a call with Capital One
Friday, April 12, 2024 9:54 PM
They may ask you to enter information with the dial pad
"It looks like we're having some trouble. Let's try another way.
Using the keypad on your phone, please enter your sixteen digit card number."
Excerpt from a call with Capital One
Thursday, February 22, 2024 4:32 PM
They may ask you to say or enter information
"Thank you for calling Capital One.
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
Tuesday, December 31, 2024 3:16 PM
The first phone menu
"Thank you for calling Capital One.
This call may be monitored and recorded for quality assurance, training, and authentication purposes.
Which of these can I help you with?
Credit cards, bank account, auto loans, or CreditWise?
Alright. Auto loan. If that's not correct, say go back.
Thank you for calling Capital One Auto Finance.
For an existing or paid off Capital One auto loan, press one.
If you're a dealer, press two.
For a refinance loan application, press three.
For a new or used auto loan application, press four.
If you know your party's extension, press seven.
To repeat these options, press eight."
Excerpt from a call with Capital One
Tuesday, June 18, 2024 10:00 PM
What are the hours and when should I call?
Capital One operates the call center for this 877-383-4802 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 4,548 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Capital One at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
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 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 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 is Sunday.The most busy day to call is Friday, which averages 105% more phone calls by comparison.Again, this is based on a sample of 4,548 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Fri
Busiest
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 Saturday, which is 568% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Capital One 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 Capital One staffs up on Thursday to handle the higher call volume, and that makes it the best time to call.
This number serves as Capital One's catch-all for any customer who might happen to call for assistance, as its sole purpose is to get customers to the branch of Capital One that serves their needs. When you call, you're brought to the automated system and asked if you have questions about one of four areas: credit cards, bank accounts, auto loans or other credit questions.
Upon choosing one of these options, the system automatically connects you to that area of Capital One's help menu. There's nobody to talk to on this number; it's simply a call center that moves you over to someone else who can help you.
When I dialed, I first opted to get help with a bank account question. Once I had made my selection, the system automatically moved me over to the bank account menu, which I went through to see what the experience was like. After a couple minutes of answering questions, I was connected with a representative and ended the call without speaking to her because she was part of a separate number as opposed to the number that I had originally called.
Upon hanging up, I called the number back to see what the experience was like going through another department. This time, I asked for credit cards and got the same assistance as before. I was connected to Capital One's number for credit cards and asked a few questions before the system began the process of moving me to getting connected with a representative.
Overall, I thought this was a helpful feature for what it was. This number serves as one specific call center for all of Capital One's departments, and that's all it does. There are no opportunities to talk to someone until you get to a segmented department, and that takes two different connections in order to begin.
It's not the most efficient setup, but it could be far worse. There isn't any wait time as there could be with all of the callers coming to one bottleneck, and there aren't any problems with the automated system hearing what you're trying to tell it. The system simply moves you to the phone number you should have dialed from the beginning so you can get the assistance you need.
I would recommend using this number if it's your first time calling Capital One or if you simply can't remember the number to one of the specific departments. This might not be the most efficient setup, but it will get you to where you need to be so you can get helpful assistance. However, once you know and can remember the number for a specific department, you'll have an easier experience calling that number instead of this one.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
Why Customers Call Capital One
If you have time to do a bit of reading before you call Capital One, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Capital One 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 Capital One, and their purpose. Are any of these similar to the reason you are trying to call?
Fraudulent charge report: "Somebody tried to make a charge on my card."
- From a call lasting 3m 20s , Jul 24, 2025 1:30 PM
Information about why customers call Capital One is extracted from issues that customers have reported to GetHuman.
Use this link or copy and paste it to send customer service an email
Capital One, 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 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'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 agent. This phone number is Capital One's best phone number because 2,778 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 877-383-4802 include Restricted Account, Bill Pay Problem, Lost or Stolen Card, Dispute a Charge, Payment Inquiry and other customer service issues. Rather than trying to call Capital One first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or twitter. In total, Capital One has 6 phone numbers. It's not always clear what is the best way to talk to Capital One 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. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Capital One. 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.
