How to contact Chase credit card customer service
Chase operates separate phone lines for credit card customers depending on what you need. The main customer service number for credit card accounts is 1-800-935-9935. This line handles account questions, billing disputes, fraud reports, and general account management. You will need your card number or the phone number on file to verify your identity.
If you are calling about a specific issue — fraud, a lost card, or a billing error — Chase routes you to the right department based on your selection. Wait times vary by time of day and day of week, but calling early morning on a weekday typically means shorter holds than calling in the evening or on weekends.
Chase also offers customer service through their mobile app and website. You can message a representative through the Chase mobile app under the "Help" section, and responses typically arrive within 24 hours on business days. For non-urgent questions, this method often avoids phone hold times entirely.
Key Takeaways
- The main Chase credit card customer service number is 1-800-935-9935, and you will need your card number or account phone number to verify your identity.
- Chase routes calls to different departments based on your issue — fraud, billing disputes, lost cards, and general questions each have their own queue.
- The Chase mobile app and website both offer messaging options that typically respond within 24 hours on business days, avoiding phone hold times.
- Early morning calls on weekdays usually have shorter wait times than evening or weekend calls.
- If you have a dispute or fraud claim, having your recent statements and transaction details ready before you call speeds up the process.
What to have ready before you call
Chase will ask you to verify your identity before discussing your account. Have your credit card number, the phone number associated with your account, or your Social Security number available. If you are calling about a specific transaction or dispute, pull up your recent statement or transaction history before dialing.
For fraud claims, gather the dates and amounts of the unauthorized transactions. For billing disputes, note the transaction date, merchant name, and the amount you are disputing. For lost or stolen card reports, you do not need anything in advance — Chase can cancel the card when ready once they verify who you are.
Reporting fraud or unauthorized charges
If you see charges on your statement that you did not make, call the fraud line at 1-800-935-9935 and select the fraud option. Chase will ask you to confirm which transactions are unauthorized. Once you report them, Chase typically cancels your current card and mails a replacement within 7 to 10 business days.
Unauthorized charges are usually removed from your account within two billing cycles while Chase investigates. You are not responsible for fraudulent charges under federal law, but reporting them quickly protects your account and prevents further unauthorized use. If the fraud involves identity theft beyond just card misuse, Chase can also flag your account for additional monitoring.
Disputing a billing error
If your statement shows a charge you believe is wrong — a duplicate charge, an amount that does not match what you agreed to, or a charge from a merchant you did not authorize — call customer service and ask to file a billing dispute. Chase will ask you to describe the error and provide the transaction date and amount.
Once you file a dispute, Chase removes the charge from your account temporarily while they investigate. The investigation typically takes 30 to 60 days. During that time, you do not have to pay the disputed amount. If Chase determines the charge was correct, they will re-add it to your account and notify you in writing with an explanation.
Replacing a lost or stolen card
Call 1-800-935-9935 and tell the representative your card is lost or stolen. Chase will cancel it when ready and mail a replacement card to the address on file. The replacement usually arrives within 7 to 10 business days. If you need a card sooner, ask about expedited shipping options — some accounts may have access to for next-business-day delivery, though this may carry a fee.
While you wait for the replacement, you can still use your account through the Chase mobile app or website to make purchases online. You can also request a temporary card number for online shopping if you need to make purchases before the physical card arrives.
Handling account access and password issues
If you cannot log into your Chase account online or through the mobile app, you have two options. First, use the "Forgot Password" link on the Chase website or app to reset your password yourself — this usually takes a few minutes and does not require calling. Second, call customer service at 1-800-935-9935 and they can help you regain access or unlock your account if it has been temporarily locked for security reasons.
If your account was locked because of suspicious activity, Chase may ask you to verify recent transactions or confirm your identity in additional ways before unlocking it. This is a security measure to protect your account from unauthorized access. Once verified, your account is usually unlocked within a few minutes.
Frequently Asked Questions
How long does it take to speak to someone at Chase customer service?
Wait times vary, but typically range from 5 to 20 minutes depending on the time of day and how busy the line is. Calling early in the morning on a weekday usually means shorter waits. Using the Chase mobile app to message a representative avoids phone hold times entirely, though responses take up to 24 hours on business days.
Can I dispute a charge that I authorized but want to cancel?
If you authorized the charge but changed your mind, that is not a billing dispute. Instead, contact the merchant directly to request a refund or cancellation. If the merchant refuses and you believe the charge violates your agreement with them, you can ask Chase to file a dispute, but Chase will likely side with the merchant since you authorized the original transaction.
What if I need to reach Chase outside of business hours?
The phone line is available 24 hours a day, 7 days a week. However, some services like dispute filing or account changes may only be handled during business hours. If you call outside business hours, an automated system can help with basic tasks like reporting a lost card or checking your balance.
Do I have to pay a disputed charge while Chase investigates?
No. Once you file a dispute, Chase removes the charge from your account while they investigate. You do not have to pay the disputed amount during the investigation period, which typically lasts 30 to 60 days. If Chase determines the charge was valid, they will re-add it and notify you in writing.