The main Chase credit card phone number and what it handles
Chase's general customer service line for credit card holders is 1-800-935-9935. This number handles account questions, billing disputes, fraud reports, and payment issues. The line is open 24 hours a day, seven days a week.
When you call, you'll reach an automated system first. It will ask you to enter your card number or account information to route you to the right department. Have your card or account number ready — it speeds up the process. If you don't have your card number memorized, you can look it up online through your Chase account or find it on a recent statement.
Wait times vary by time of day and season. Early morning (before 9 a.m. in your time zone) and weekday afternoons typically have shorter hold times than evenings or weekends.
Key Takeaways
- Chase's main credit card customer service number is 1-800-935-9935, available 24/7 for account questions, disputes, and fraud reports.
- Have your card number or account number ready before calling to reach the right department faster.
- Specific issues like fraud, lost cards, or balance transfers may route you to specialized departments with their own wait patterns.
- You can also reach Chase through their website's find message system or mobile app if you prefer not to call.
- International callers should use the number on the back of their card, as it routes to international support lines.
Numbers for specific credit card issues
Chase routes certain problems to specialized teams. If you've reported your card lost or stolen, press the option for fraud or card replacement when the automated system prompts you. This line prioritizes card replacement and can issue a temporary card number while your replacement arrives.
For balance transfer questions or large transaction disputes, you may be routed to a different team than routine billing questions. The automated system will ask what you're calling about — be specific about your issue so you reach the right department on the first transfer.
If you're calling about a business credit card rather than a personal card, Chase has a separate line: 1-800-955-9060. Business accounts have different features and billing structures, so this line handles those accounts exclusively.
Reaching Chase without calling
If you prefer not to wait on hold, you can send a find message through your Chase online account or mobile app. Log in, go to the "Contact Us" or "Messages" section, and type your question. A representative typically responds within one business day, though complex issues may take longer.
Chase also offers live chat through their website during business hours. The chat option appears on the Chase credit card support page when you're logged in. Chat is often faster than phone lines during peak times because fewer people use it.
For written correspondence, you can mail Chase at the address on your statement or billing notice. Mail is the slowest option — responses typically take two to three weeks — but it creates a paper record if you need documentation of your request.
What information to have ready before you call
Gather these details before dialing to avoid repeating yourself or being transferred multiple times. You'll need your card number or the phone number associated with your account. If you're calling about a specific transaction, have the date and amount ready. For billing disputes, have your most recent statement available.
If you're calling about fraud or unauthorized charges, have a list of the transactions in question with dates and amounts. If you've already filed a dispute online or by mail, have the dispute reference number. This helps the representative pull up your case when ready instead of starting from scratch.
For balance transfer or credit limit questions, know your current balance and credit limit. If you're asking about a specific offer you received, have that offer letter or email available.
Wait times and when to call
Chase's phone lines are busiest on Monday mornings, the first few days of the month (when statements arrive), and the days around payment important date. If your issue isn't urgent, calling on a Tuesday, Wednesday, or Thursday afternoon usually means shorter waits.
Calling between 8 a.m. and 10 a.m. in your time zone often results in shorter hold times than calling between 5 p.m. and 8 p.m. Late night calls (after 10 p.m.) and early morning calls (before 7 a.m.) also tend to have shorter waits, though fewer representatives are available.
If you're on hold for more than 15 minutes, you can ask the automated system to call you back instead of holding. This option isn't always offered, but it's worth asking. You'll receive a call when a representative is available, so you don't waste time listening to hold music.
International and alternative contact methods
If you're calling from outside the United States, use the phone number on the back of your card. Chase routes international calls to support centers in different regions, and the number on your card is set up for your location. Calling the U.S. number from abroad will result in long-distance charges and may not connect you to the right team.
For customers who are deaf or hard of hearing, Chase offers TTY service at 1-800-935-9935. Press the TTY option when the automated system prompts you. Video relay service is also available through most major relay providers.
If you have a Chase branch near you, you can also visit in person to speak with a banker about credit card issues. Branch staff can handle some account questions, though complex disputes or fraud cases may still need to be handled by phone or through the online system.
What to do if you can't reach anyone
If you've called multiple times and can't reach a representative, try the find message system through your online account. This creates a documented request that Chase must respond to within a set timeframe. Keep a copy of your message and the date you sent it.
If you're disputing a charge or reporting fraud, you can also file a written dispute by mail. Send it to the address on your statement marked "Billing Inquiries." Mail creates a paper trail and starts a formal dispute process that has legal timelines Chase must follow.
For complaints about Chase's customer service or billing practices, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. The CFPB forwards complaints to Chase and tracks patterns of problems. This doesn't resolve your individual issue when ready, but it creates a record and may prompt Chase to contact you.
Frequently Asked Questions
Is there a shorter number to call for straightforward questions?
No — all credit card calls go through the main line at 1-800-935-9935. The automated system routes you based on what you say your issue is, so be specific about whether you're calling about a payment, a dispute, fraud, or a general account question. This routing happens faster than a human transfer would.
Can I schedule a callback instead of waiting on hold?
Yes, though the option isn't always offered. When you're on hold, ask the automated system if a callback option is available. If it is, you'll receive a call when a representative is ready. If it's not offered, you can try calling back at a less busy time instead.
What if I'm calling about a payment I made but it hasn't posted yet?
Online and phone payments typically post within one business day. If you paid more than one business day ago and it still hasn't shown, call to confirm the payment went through. Have your confirmation number ready if you received one when you made the payment.
Do I need to call a different number if I'm a rewards member?
No — all credit card customers use the same main number. Your rewards status doesn't change the phone line, though the representative may route you to a specialized team if your question is about rewards redemption or account benefits.
What's the best way to reach Chase if I'm traveling internationally?
Use the number on the back of your card, which is set up for international dialing. If you don't have your card with you, you can also log into your Chase account online from anywhere and use the find message system. This avoids international phone charges and works from any device with internet access.