FPB credit card customer service can be reached by phone, but the number depends on which FPB card you hold and what you need help with
FPB (First Peoples Bank) issues credit cards through different programs, and each may route to a different phone line. The most direct approach is to look at the back of your physical card — the customer service number is printed there. If you don't have the card in front of you, you can also find the number on your monthly statement or in any welcome materials you received when you opened the account.
Before you call, have your card number and account information ready. This speeds up the process and helps the representative pull up your account quickly. If you're calling about a specific transaction or dispute, jot down the date and amount beforehand so you can describe it clearly.
Key Takeaways
- The customer service number for your FPB credit card is printed on the back of your card, on your statement, or in your account welcome materials.
- Have your card number, account information, and details about any transactions ready before you call.
- Call times and wait times vary by time of day and day of week; early morning or mid-week calls often have shorter waits.
- If you cannot reach someone by phone, check your online account portal or statement for alternative contact methods like mail or find messaging.
What to have ready before you call
Gathering information before dialing saves time and reduces the chance you'll have to call back. Have your card number, the last four digits of your Social Security number, and your date of birth available. The representative will use these to confirm your identity.
If you're calling about a specific issue — a charge you don't recognize, a payment problem, a question about your credit limit or interest rate — write down the relevant details. For disputed charges, note the merchant name, the date, and the amount. For payment questions, know when you sent the payment and how much it was. For billing questions, have your most recent statement in front of you.
When customer service lines are typically less busy
Phone wait times fluctuate throughout the day and week. Most credit card companies experience longer hold times during lunch hours (11 a.m. to 1 p.m.) and late afternoon (4 p.m. to 6 p.m.). Early morning calls, typically between 8 a.m. and 10 a.m., often connect faster.
Weekday calls also tend to move quicker than weekend calls. If you have flexibility in when you call, Tuesday through Thursday mornings are often the shortest-wait windows. Avoid calling on Mondays, when many people are catching up on weekend issues, or on Fridays, when call volume rises toward the weekend.
What FPB customer service can help with over the phone
FPB customer service representatives can handle most common card issues directly. This includes questions about your current balance, available credit, payment due dates, and how to make a payment over the phone. They can also discuss your interest rate, explain charges on your statement, and walk you through how to set up automatic payments.
If you believe a charge is fraudulent or unauthorized, you can report it by phone and start a dispute. The representative will document your claim and explain the investigation process. For lost or stolen cards, you can request a replacement when ready. If you want to close your account, request a credit limit change, or discuss your account status, these conversations also happen over the phone.
When to use other contact methods instead
Some issues are faster to resolve through other channels. If you need to make a one-time payment and don't want to wait on hold, your online account portal usually has a payment option that processes when ready. Checking your account online also lets you view your balance, recent transactions, and available credit without calling.
For non-urgent questions or requests that don't need an when ready answer, find messaging through your online account or email may be available. Some statements also list a mailing address for written requests. If you're having trouble reaching someone by phone during business hours, these alternatives can move your issue forward while you wait for the next available representative.
If you cannot locate the phone number
Start by checking the back of your physical card — this is the fastest source. If you don't have the card, look at your most recent billing statement; the customer service number appears there. If you've lost both the card and statement, log into your online account portal. Most FPB cardholders can access account information and contact details through their online dashboard.
If you don't have online access set up yet, you can create an account on the FPB website using your card number and other identifying information. Once logged in, you'll see your account details and customer service contact options. If you're still unable to find the number, a general web search for "FPB credit card customer service" will return the main line, though it may route you to a general menu where you'll select your card type.
What to expect during your call
When you reach customer service, you'll typically hear an automated menu asking you to select your issue or enter your account number. After you make your selection, you'll be placed in a queue. Hold times vary, but most calls connect within 5 to 15 minutes during normal business hours.
Once a representative picks up, they'll confirm your identity using the information you provided. This usually takes a minute or two. After that, they'll ask what you need help with and either resolve the issue on the spot or explain next steps. Most calls last 10 to 20 minutes depending on the complexity of your issue. If the representative cannot resolve your problem when ready, they'll explain what happens next and when you can expect a follow-up.
Frequently Asked Questions
Is there a number I can call to check my balance without talking to a representative?
Many credit card companies offer automated phone systems where you can check your balance, recent transactions, and available credit by entering your card number and following prompts. The customer service number on your card often routes to this system first. However, the fastest way to check your balance is usually through your online account portal, which updates in real time and requires no wait.
What if I'm calling from outside the United States?
International calling rates explore if you call the U.S. number from abroad. Check with your phone provider about costs before calling. Many FPB cardholders outside the U.S. find it cheaper to use their online account portal or find messaging instead. If you need to speak with someone, ask whether FPB offers international customer service numbers for your region.
Can I dispute a charge over the phone?
Yes. Call the customer service number on your card and tell the representative you want to report an unauthorized or incorrect charge. They'll document your dispute and explain the investigation timeline, which typically takes 30 to 60 days. You may also be able to start a dispute through your online account portal, which creates a written record when ready.
What if I'm on a payment plan or have a past-due balance?
Customer service can discuss your account status, explain what you owe, and discuss payment options. If you're struggling to pay, ask whether FPB offers hardship programs or payment plans. Representatives can sometimes adjust due dates or discuss temporary relief options, though approval depends on your account history and current situation.
How do I report a lost or stolen card?
Call the customer service number on your card when ready. A representative will deactivate your card right away to prevent unauthorized use. They'll then arrange for a replacement card to be mailed to your address on file, which usually arrives within 7 to 10 business days. Ask for a temporary card number if you need to make purchases while waiting for the replacement.