The main Chase credit card phone number is 1-800-935-9935
Call 1-800-935-9935 to reach Chase credit card customer service. This number works for questions about your account, billing, fraud, rewards, or payment issues. The line is open 24 hours a day, 7 days a week. You will need your card number or the phone number on file with your account to verify your identity.
Chase also has a separate number for new cardholders who have not yet received their card: 1-888-411-4357. If you applied for a Chase credit card and want to check on your status before the card arrives, use this number instead.
Wait times vary by time of day and day of week. Calling early in the morning on a weekday usually means a shorter hold. If you call during peak hours (lunch time or early evening), you may wait 10 to 20 minutes or longer.
Key Takeaways
- The main Chase credit card customer service number is 1-800-935-9935, available 24/7 for account questions, billing issues, fraud reports, and rewards inquiries.
- Have your card number or the phone number associated with your account ready before you call, as Chase will ask you to verify your identity.
- New cardholders who have not yet received their card should call 1-888-411-4357 to check process status.
- Early morning calls on weekdays typically have shorter wait times than calls during lunch or evening hours.
- You can also reach Chase through their online chat, mobile app, or by visiting a branch in person if phone support does not work for your situation.
What to have ready before you call
Gather these items before dialing so the representative can help you faster. You will need either your Chase credit card number or the phone number you registered with your account. If you are calling about fraud or a lost card, have the last four digits of the card if you can remember them.
If you are calling about a specific transaction, have the date and amount ready. For billing disputes or questions about a charge, the representative will ask when the charge appeared and how much it was. If you are calling about rewards or points, know which Chase card you hold, since different cards have different reward structures.
If you are calling from a phone number different from the one on file, Chase may ask additional security questions. Be ready to answer questions about your account history, recent transactions, or personal information you provided when you opened the card.
What you can handle on the phone
Chase handles most common issues over the phone. You can report a lost or stolen card and request a replacement. You can dispute a charge you do not recognize or ask about a transaction on your statement. You can make a payment over the phone using a bank account or another payment method. You can also ask about your rewards balance, how to redeem points, or whether you are may be able to access for a different Chase card.
If you have questions about your credit limit, recent changes to your account, or whether you may have access to for a rate reduction, the representative can discuss those with you. You can also ask about promotional offers, balance transfer options, or how to set up automatic payments.
Some issues require a follow-up by mail or email. If you need to dispute a transaction under the Fair Credit Billing Act, the representative will start the process on the phone but will send you written confirmation and next steps by mail. Fraud investigations also typically require written documentation, though the phone representative can begin the report when ready.
Alternative ways to reach Chase
If you prefer not to call, Chase offers other ways to get help. You can log into your Chase account online and use the chat feature to message a representative. Chat is available during business hours and may have shorter wait times than the phone line during peak times.
The Chase mobile app also has a chat option and a "Contact Us" section where you can find answers to common questions. Many account issues can be handled directly in the app: you can view your balance, make payments, report fraud, or lock your card without speaking to anyone.
If you have a Chase branch near you, you can visit in person. A banker can help with some account questions, though they may need to transfer you to the credit card department for specialized issues. You can also mail a written request to Chase, though this is the slowest option and should only be used for formal disputes or complaints that require a paper record.
What to do if you cannot reach anyone
If the phone line is busy or you have been on hold for a very long time, try calling back at a different time. Chase's phone lines do occasionally experience high call volume, especially after a holiday or during a major billing cycle. Calling early in the morning, late at night, or on a weekday rather than a weekend often results in shorter waits.
If you have an urgent issue and cannot wait on hold, use the Chase app or website to chat with a representative. Chat queues sometimes move faster than phone queues, and you can continue using your phone or computer while you wait. You can also send a find message through your online account, though responses may take 24 to 48 hours.
If you believe you have reached a wrong number or the line is not working, verify the number on your credit card statement or the official Chase website. Scammers sometimes advertise fake Chase numbers online, so always check your statement or call directory information to confirm you have the correct number.
International calling and hearing-impaired services
If you are calling from outside the United States, you can still reach Chase, but you will be charged international rates by your phone provider. The number remains 1-800-935-9935, though you may need to dial it differently depending on your country. Check with your phone provider for the correct way to dial a US toll-free number from your location.
Chase offers a relay service for people who are deaf or hard of hearing. You can use a video relay service (VRS) or text telephone (TTY) to reach customer service. Contact your relay service provider to connect to Chase, or ask a Chase representative when you call how to set up relay service for future calls.
Frequently Asked Questions
Do I have to pay to call Chase customer service?
No. The 1-800-935-9935 number is toll-free within the United States. If you are calling from a cell phone, your plan may charge you for the minutes, but Chase does not charge a fee for the call itself. International calls will be charged by your phone provider at international rates.
Can I call Chase to explore for a new credit card?
You can call to ask questions about a card you are interested in, but you cannot complete an process over the phone. Chase requires you to explore online or in person at a branch. Once you have applied, you can call 1-888-411-4357 to check the status of your process.
What if I need to dispute a charge but do not have my card number?
You can still call using the phone number on file with your account. The representative will look up your account using that number and your personal information. Have your name, address, and date of birth ready so they can verify your identity without the card number.
How long does it take to resolve a fraud claim over the phone?
The phone representative will start the investigation when ready and may issue a temporary credit while they investigate. The full investigation typically takes 30 to 60 days. Chase will send you written updates by mail and will contact you if they need additional information from you.
Is there a different number for business credit cards?
Yes. If you have a Chase business credit card, call 1-800-955-9060 instead. This line is for business accounts only and has different hours than the personal credit card line. Check your business card statement for the most current number.