The main Chase credit card payment phone number is 1-800-935-9935
Call that number to make a one-time payment, set up automatic payments, or ask about your account. Chase routes you through an automated system first, then to a representative if you need one. The line is open 24 hours a day, seven days a week. Have your card number and the amount you want to pay ready before you call.
If you are calling from outside the United States, use 1-302-594-8200. Both numbers connect to the same payment system. The call may cost you long-distance charges if you are outside the US, so check with your phone provider first.
Key Takeaways
- Chase's main payment line is 1-800-935-9935, open around the clock, and you can pay by phone in minutes without logging into your account.
- You will need your card number, the payment amount, and a bank account or debit card to complete the payment over the phone.
- Payments made before 8 p.m. Eastern time usually post to your account the same business day.
- If you call a Chase branch directly instead of the payment line, they can take your payment but may transfer you to the automated system anyway.
- Setting up automatic payments through the phone line takes a few minutes and removes the need to call each month.
What information you need before calling
Have your 16-digit Chase card number in front of you. The system will ask you to enter it using your phone keypad. If you do not have the card itself, you can look up the number in your Chase online account or mobile app, but you will need to log in first — which defeats the purpose of calling to avoid the website.
You will also need the amount you want to pay and a bank account or debit card to pull the money from. Chase does not take credit card payments over the phone using another credit card. If you are paying from a checking or savings account, have your routing number and account number ready, or let the automated system read them from your bank if you give permission.
If you are setting up automatic payments instead of making a one-time payment, you will need to choose a day each month when the payment should come out. Most people choose the day after they get paid or a few days before their statement due date.
How the payment process works on the phone
After you call 1-800-935-9935, the automated system will ask you to enter your card number. It will then confirm your account and ask whether you want to make a payment, set up automatic payments, or hear your balance and due date. Choose the payment option.
The system will ask you to enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. After you confirm the amount, you will choose how to fund the payment — from a bank account or debit card. If you choose a bank account, you will enter your routing and account numbers or authorize the system to pull them from your bank.
The system will then confirm the payment amount, the date it will post, and the account it will come from. Listen to this confirmation carefully. If anything is wrong, you can cancel and start over. If everything is correct, press the button to confirm. You will hear a confirmation number — write it down. The call usually takes three to five minutes.
When your payment will show up
Payments made before 8 p.m. Eastern time on a business day usually post the same day. Payments made after 8 p.m. or on a weekend or holiday will post the next business day. Chase counts Saturday, Sunday, and federal holidays as non-business days.
The money leaves your bank account within one to two business days of when you make the payment, even if it has not posted to your Chase account yet. This lag happens because Chase and your bank process the payment separately. Do not make another payment thinking the first one did not go through — check your confirmation number first.
If you set up automatic payments, they will post on the same schedule. If you choose the 15th of each month and the 15th falls on a Sunday, the payment will post on Monday instead.
Setting up automatic payments by phone
When the automated system asks what you want to do, choose the automatic payment option instead of one-time payment. The system will ask you to choose a payment day each month and an amount. You can set it to pay your full statement balance, your minimum payment, or a fixed dollar amount that you choose.
If you choose to pay your full balance automatically, Chase will calculate that amount a few days before your due date and pull it from your account. This option works well if you want to avoid late fees and do not want to think about your payment each month. If you choose a fixed amount, make sure it is at least your minimum payment, or you will still be late.
You can cancel or change an automatic payment by calling the same number and going through the automated system again. Changes usually take effect within one to two business days. If you want to stop a payment that is scheduled for tomorrow, call before 8 p.m. Eastern time today.
Why you might call instead of paying online
Some people call because they do not have internet access or do not trust entering their information online. Others call because they want to speak to a person about their account or dispute a charge before paying. The phone line lets you do both — make the payment through the automated system and then press a button to talk to a representative if you need to.
Calling also works if your Chase online account is locked or if you forgot your password and do not want to go through the reset process. You do not need to log in to make a payment by phone. The card number and the amount are all the system needs.
If you are trying to stop a payment that is about to post or reverse a payment you just made, calling a representative is faster than trying to do it through the website. Have your confirmation number ready when you call.
What to do if the automated system does not work
If the automated system keeps asking you to re-enter your card number or says it does not recognize your account, try entering your card number again slowly. Make sure you are using the 16-digit number on the front of your card, not a different number from your statement.
If the system still does not work after two or three tries, press the button to speak to a representative. They can look up your account using your Social Security number or date of birth instead of your card number and process your payment manually. This usually takes longer than the automated system but works when the automated system is having trouble.
If you get a message that says the payment system is temporarily down, hang up and try again in a few minutes. Chase rarely takes the payment system offline, but it does happen during maintenance windows, usually late at night.
Frequently Asked Questions
Can I pay my Chase credit card by phone without giving my bank account number?
No. The system needs either a bank account number or a debit card number to pull the payment from. If you do not want to give your bank account number over the phone, you can use a debit card instead. The system treats a debit card the same way it treats a bank account.
What if I call and the payment does not go through?
The system will tell you when ready if the payment failed — usually because your bank account or debit card does not have enough money or is flagged as inactive. If the payment fails, you will not be charged a fee, and you can try again with a different account. Write down the confirmation number the system gives you, even if it says the payment failed, so you can reference it if you call back.
Can I make a payment by phone if I am behind on my account?
Yes. You can call and make a payment even if your account is past due or in collections. The payment will post to your account and reduce what you owe. It will not automatically remove a late fee or stop collection calls, but it will show that you are trying to catch up.
Is there a fee to pay by phone?
No. Chase does not charge a fee for paying by phone using the automated system or a representative. The only cost is any long-distance charges from your phone provider if you are calling from outside the United States.
How do I know if my automatic payment went through each month?
Log into your Chase account online or in the app and look at your recent transactions. The automatic payment will show up as a debit from your bank account and a credit to your Chase card. You can also call the payment line and ask the automated system to read your recent payments and balance.