First Savings Credit Card Customer Service — Expert Guide

This guide explains, in practical and verifiable detail, how to interact with customer service for a First Savings credit card product. It covers contact methods, immediate actions for fraud or lost cards, the dispute timeline under federal law, what to prepare before you call, escalation channels (including federal agencies), typical fees and replacement timelines, and exact steps to document and close an issue. The goal is to give a working playbook you can use the moment a problem arises.

If you do hold a First Savings credit card, always verify the specific phone number, billing address and dispute mailing address that appear on the back of your card or on your monthly statement. Issuers vary by region — do not rely on third-party sites for a single point of contact. For regulatory escalation you can use the Consumer Financial Protection Bureau (CFPB) at https://www.consumerfinance.gov or P.O. Box 27170, Washington, DC 20038; CFPB phone for complaints: 1-855-411-2372.

Contact methods and typical hours

Primary contact methods are: (1) the toll-free number printed on the back of your card (commonly a 1-800 number); (2) secure messaging inside the issuer’s online banking portal or mobile app; and (3) the customer service number printed on your paper statement. For emergency card actions (lost/stolen/fraud), most card issuers provide a 24/7 automated and live response line. For non-urgent billing questions, typical phone hours are Monday–Friday, 8:00 a.m.–8:00 p.m. ET, with reduced weekend staffing for general customer care.

When you call, expect an automated verification flow (last 4 digits of card, ZIP code, security questions) and then a routing to either a frontline agent or a fraud/specialist desk. Typical initial hold time benchmarks: under 10 minutes during business hours; midnight–6 a.m. ET can be longer. If the card provider has a local branch network (First Savings branches in your state), you can also escalate in-branch for documentation help, but card locks and fraud blocks are generally handled centrally by the card processing center.

Immediate actions: lost, stolen, or fraudulent charges

If your card is lost or stolen, call the number on the back of the card immediately or use the issuer’s app to lock it. Federal law (for most credit cards) limits your liability for unauthorized charges to $50 if the card number was physically stolen, and typically $0 for most modern chip/contactless cards when reported promptly — but reporting speed matters. In practice, most issuers waive all liability if you report within 24 hours; confirm the issuer’s specific policy when you call.

Expected operational timelines after reporting: card block within minutes, new physical card shipped within 1–3 business days standard delivery, or next-business-day/expedited shipping in 24 hours for a fee (common expedited fees range $25–$35). Digital card replacement (provisioning to mobile wallet) can occur within 1–24 hours depending on issuer and network (Visa, Mastercard). Ask the agent for the replacement tracking number and the temporary card number (if issued) to keep using services while awaiting the physical card.

Billing disputes and the Fair Credit Billing Act (FCBA)

For billing errors (wrong amount, double charge, not delivered, unauthorized charge), federal rules require you to send a written dispute within 60 days of the date on the billing statement containing the error (Fair Credit Billing Act). The creditor must acknowledge your dispute within 30 days and investigate and resolve the dispute within 90 days in most cases. Use both the phone call to initiate action and a written follow-up (secure message or certified mail) to create a paper trail.

When you file a dispute, the issuer typically provides a dispute reference number and places a provisional credit on the account in many cases within 1–2 billing cycles. If the issuer finds in your favor, the provisional credit becomes permanent; if not, they must explain the findings in writing. Keep copies of receipts, order confirmations, email correspondence, and any proof of return within the 60-day window — missing that window can forfeit your dispute rights.

What to prepare before you call

Preparing documents and information before you contact customer service shortens resolution time dramatically. Agents process disputes and fraud reports faster when you provide concise, precise information up front.

• Account identifiers: full account number or last 4 digits, billing ZIP code, name exactly as on account, and date of birth for verification.
• Transaction details: merchant name, transaction date and time, exact amount(s), and why the charge is incorrect (duplicate, not recognized, wrong amount, not received).
• Supporting evidence: merchant receipt/confirmation, tracking number if goods shipped, screenshots of returns/emails, police report number for identity theft, and any prior secure messages with the merchant.
• Preferred resolution: refund to account, chargeback request, charge reversal, or reissue of merchant credit; state this clearly to the agent and ask for the exact timeline and reference number.

Escalation, documentation and regulatory complaints

If phone-level resolution is insufficient, request escalation to a supervisor and get the escalation ticket/reference number and the expected follow-up date. If the issuer fails to comply with FCBA timelines or provides an unsatisfactory response, file a complaint with the CFPB at https://www.consumerfinance.gov/complaint or by mail: Consumer Financial Protection Bureau, P.O. Box 27170, Washington, DC 20038. The FDIC (https://www.fdic.gov) also accepts consumer inquiries for FDIC-insured banks: FDIC, 550 17th Street NW, Washington, DC 20429, phone 1-877-275-3342 (1-877-ASK-FDIC).

When escalating, include: account number, dates, agent names and reference numbers, copies of all supporting documents, and a single-paragraph timeline of events. Save all correspondence for at least two years; many professionals retain dispute documentation for 3–7 years depending on whether legal action or tax implications exist.

Sample call script and follow-up checklist

Use a concise script when calling: identify yourself, state the problem, provide facts, request action, and ask for a reference number. Keep the conversation tight to avoid misrouting and ask for the name and ID of the agent handling your case.

• Script: “Hello, my name is [Full Name], DOB [MM/DD/YYYY]. Account last four [1234]. I am calling about an unauthorized charge on 07/12/2025 for $149.95 at [Merchant]. I request a fraud investigation and provisional credit. Please provide the case/reference number, expected response time, and supervisor contact.”
• Checklist after call: record agent name/ID, reference number, promised action and date, follow-up channel (secure message or email), and next check-in date. If you receive a provisional credit put a calendar reminder for 30/90 days to confirm final resolution.

How do I contact Visa credit card customer service?

For help, call us toll free (1-800-847-2911) or use one of our global toll-free-numbers from the dropdown menu above.

What is the phone number for First Bank credit card customer service?

You may contact our representatives at 303-237-5000, or at 1-800-964-3444, to obtain any changes in the information disclosed above.

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Is Hue a real credit card?

Yes! Use and manage your First Savings Credit Card as you do today. Before your card expires, you will be issued your new HUE card.

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