Here is how to by-pass some companies automated answering systems

Finance                                           phone steps to find a human

American Express 800-528-4800 dial 0 repeatedly

ATT Universal Rewards 800-950-5114 ###

Bank of America 800-900-9000 1 loan; 2 account; 3 investing; 4 info; or 00 to human

Bank One 877-226-5663 0,0

Capital One Visa 800-867-0904 ignore prompts and invalid entry warnings; press #0 four times

Charles Schwab 800-435-9050 3 then 0

Chase 800-CHASE24 5 pause 1 4

CitiBank 800-374-9700 1 online support; 2 billpay; 3 non-online; 4 credit card; or 0 to human

Discover 800-347-2683 ****

E-Trade 800-387-2331 ####

Fidelity 800-544-6666 ignore prompt for social security number, just enter ###

MasterCard 800-MC-ASSIST 000 on each menu

MBNA 800-421-2110 00# when menu starts

Paypal 650 864-8000 0

Sovereign Bank 800-SOV-BANK 1 english; 1 personal; 3 then social#; passcode, #; then 0 (1-3x)

Sun Trust Banks 404-588-7815 Yes

US Bank 800-US BANKS 0000

Visa 800-847-2911 000 (ignore prompts saying that it's an invalid entry)

Wachovia 800-922-4684 accounts personal banking

Washington Mutual 800-756-8000 At any time after the announcement(s) press 0,0.

Wells Fargo 800-869-3557 0,0,0

Western Union 800-325-6000 * then ##

Government            phone steps to find a human

INS 800-375-5283 After selecting English, (with a 2 second delay between) 2 6 2 4

Social Security 800-772-1213 00 will confuse computer and send you to an agent

Veterans Affairs 800-827-1000 1,0

Insurance                     phone steps to find a human

Aetna 800-537-9384 2, then say "operator" (check this)

Aetna 800-680-3566 * then 0 anytime

AFLAC 800-99-AFLAC ***

Ameritas 800-745-1112 0,0,0

CIGNA 800-516-2898 REGARDING A BILL

Cigna 800-849-9000 ##

GEICO 800-841-3000 Wait for prompt then 6, 1, 5

Humana 800-4-HUMANA After entering insurance number and details, 0.

Medicare 800-633-4227 After the opening prompt say "agent".

Principal Life 800-247-4695 1 for english, 2, then 0 several times.

Pharmacy                       phone steps to find a human

CVS local store Press 6 to connect to store manager.

Eckerd 800-eckerds 0 for pharmacy, 8* for manager

Rite Aid local store Press 3 to speak to the pharmacy

Walgreens local store 0 for a pharmacy employee

Products                   phone steps to find a human

Bose 800-444-2673 Direct to human!

Sonos 800-680-2345 1 sales; 2 support

Sony 800-222-7669 When prompted, just say "Agent".

Retail                       phone steps to find a human

Advance Auto Part 800-314-4243 Press 0 when the automated message begins.

Amazon Visa 888-247-4080 Press 0 twice. Ignore invalid account message.

Amazon.com 800-201-7575 0

Apple Retail Stores local store dial "5" as soon as you hear the automated menu

Barnes & Noble local store Press 1 or 0 during greeting.

Best Buy Card 800-365-0292 "00*"

Buy.com 949-389-2000 Dail 0 and direct to rep

Circuit City Visa 888-363-8001 Press 0 a lot.

COMCAST 800-266-2278 dail 0 3-4 times or be silent

eBay 800-322-9266 dial 0,0

Gap Credit Card 800-887-1198 Dial 0 2-3 times

Home Depot 800-793-3768 Dial "#" 2-3 times

Home Shopping Net 800-284-3100 Dial 0

Ikea 800-434-4532 Press 0 many times quickly!

JC Penney 800-222-6161 Press 0 twice, ignoring error message.

K-Mart local store 0

Kohl's Credit Card 800 564-5740 After providing account info, press 0 three times

Lowe's 800-445-6937 Dial 0 as the recording kicks in to get to the Operator

Old Navy 800-653-6289 Dial 0 direct to rep

Overstock.com 800-843-2446 At the main menu, 0 three to four times to bypass the menu

QVC 800-367-9444 0

Safeway local store As soon as voice prompt starts type 1200 to get human

Sears 800-4-MY-HOME Be silent to be put in queue for human.

Target local store 0 during greeting.

Toys "R" Us local store 0

Wal-Mart 800-925-6278 1 for directory

Shipping               phone steps to find a human

DHL 800-225-5345 press 1, press 5, press 0, enter your phone number.

FedEx 888-GO-FEDEX At message say "Representative"

UPS 800-pick-ups 0,0

USPS 800-275-8777 7-3-2-0-0 or send them some junk mail

Technology                        phone steps to find a human

AOL 800-827-6364 0

Apple 800-275-2273 000; if virtual rep answers, say "operator"

Compaq 800-652-6672 No easy escape

Dell 888-560-8324 2 order; 3 support; 4 purchase help; or 00 to human

Dell Service 800-624-9897 option 1, xt 7266966, option 1, option 4, option 4

Earthlink 888-earthlink 1 find a dialin number; 2 billing; 3 sales; 4 support

Epson 800-922-8911 yes

Gateway 800-846-2301 00#

HP 800-474-6836 Say "agent".

HP 888-560-8324 00

IBM 800-IBM-4YOU You go into a hold queue immediately

Microsoft 800-936-5700 Always 0. This is true for just about any MS number.

QuickBooks 888-729-1996 1 purchase; 2 billing; 3 registration; 4 tech support or 0 to human

Symantec 800-441-7234 00

Telephone                            phone steps to find a human

AT&T 800-222-0300 #### then 1 if for current phone, else 2 to enter other, else 3

AT&T Wireless 800-888-7600 No easy escape

BellSouth 877-678-2355 *0

Cellular One 888-910-9191 4, say "agent", then #

Cingular 800-331-0500 Try the option to close your account; same people but quick answer.

Nextel 800-639-6111 0 five times

SBC 800-585-7928 Again, an (intelligent, this time) IVR wants YOUR phone number first.

Sprint PCS 888-788-5001 If live person does not answer, 00, then say "agent"

T-Mobile 800-TMOBILE Say "representative" at any time.

Verizon DSL 800 567 6789 Say "I don't know it" then "technician"

Verizon Wireless 800-922-0204 #00 or enter phone # then 0 then 4

Travel                                 phone steps to find a human

American Airlines 800-433-7300 00, then say "agent"

Amtrak 800-872-7245 0 or say "agent"

Delta 800-221-1212 say "agent" four times - every time it asks for a response from you

jetBlue 800 JET-BLUE 1 flight status; 2 reservations; 3 vacation packages

Kayak.com 203 899-3120 0

Northwest 800-225-2525 Star, 0,0 after initial greeting

Southwest 800-435-9792 Calls answered by operator; during busy times you might have to hold

United 800-864-8331 Do nothing, wait for human.

US Airways 800-428-4322 4, wait, 1

Walt Disney World 407-824-4521 Direct line to Magic Kingdom Guest Relations

TV/Satellite                   phone steps to find a human

Comcast 800-266-2278 Customer service, but an IVR wants your number first.

Direct TV 800-347-3288 0 repeatedly

Dish Network 800-333-3474 0 during menu

Sirius 888 539-7474 0

TiVo 877-367-8486 Say "Live Agent"

Xm Radio 800-998-7900 Direct to human!