The main Chase credit card customer service number is 1-800-935-9935
That number works for most Chase credit card questions — account balance, payment issues, fraud reports, lost cards, and general account changes. It's available 24 hours a day, seven days a week. When you call, have your card number or the phone number associated with your account ready, because the automated system will ask for it before routing you to a representative.
Chase also operates different phone lines for specific situations. If you're calling about a business credit card, the number is 1-800-955-9060. For the Sapphire Reserve or Sapphire Preferred cards, you can reach the concierge service at the number on the back of your card — that line connects you to people who can help with travel bookings, restaurant reservations, and other benefits specific to those cards.
Key Takeaways
- The main Chase credit card number 1-800-935-9935 handles account questions, payments, fraud, and lost cards around the clock.
- Business credit card holders should call 1-800-955-9060 instead of the consumer line.
- Premium cards like Sapphire Reserve include a dedicated concierge line printed on the back of your card.
- Chase's website and mobile app can handle many routine tasks like viewing statements, making payments, and reporting fraud without a phone call.
What you can do without calling
Before you dial, check whether the Chase website or mobile app can solve your problem faster. You can view your current balance, recent transactions, and due date when ready. You can make a payment, set up automatic payments, update your address, request a credit limit increase, and report a lost or stolen card all through the app or website.
If you need to report fraud, you can start the process online through your account's security settings, though you may still need to speak to someone to complete the investigation. The same applies to disputing a charge — you can initiate it online, but Chase may call you to ask questions about the transaction.
When to call instead of using the website
Call the main number if you need to discuss a payment arrangement, negotiate a late fee, ask about a promotional offer you received, or understand why your credit limit changed. These conversations usually require a representative who can see your full account history and make notes about what you discussed.
You should also call if you're having trouble logging into your account, if you received a suspicious call claiming to be from Chase, or if you want to close your account. Chase will ask you security questions to confirm your identity before discussing account details, so be ready to answer questions about your recent transactions or personal information.
How to reach Chase by mail or online chat
If you prefer not to call, Chase offers online chat through its website and mobile app during business hours. The chat option appears when you log into your account — look for a "Contact Us" or chat icon. Response times vary, but most chats connect you to someone within a few minutes during daytime hours.
For written correspondence, you can mail a letter to Chase's customer service address, which appears on your monthly statement. Mail is slower than phone or chat, so use it only for formal disputes or when you need a written record of your request.
What to have ready before you call
Gather your card number, the phone number on your account, and any recent statements or letters from Chase related to your question. If you're calling about a specific transaction, have the date and amount. If you're disputing a charge, have the merchant name and the reason you believe it's incorrect.
If you're calling from a phone number different from the one on your account, Chase may ask additional security questions. The call may take longer if you need to verify your identity, so plan for 10 to 20 minutes depending on how busy the line is.
What happens if you call the wrong number
If you call a Chase number for a different product — like Chase Bank customer service or Chase auto loan support — the automated system will usually offer to transfer you to the credit card line. You can also hang up and dial the correct number to avoid the wait. The main credit card number 1-800-935-9935 is the safest choice if you're unsure which line to call.
Be cautious of any Chase customer service number you find through a Google search or email link. Scammers sometimes create fake numbers that look similar to the real one. Always dial the number printed on the back of your physical card or visit chase.com directly and look for the contact information there.
Frequently Asked Questions
Is there a shorter wait time if I call at a specific time of day?
Yes. Early morning (before 9 a.m.) and late evening (after 8 p.m.) typically have shorter waits than midday. Weekday calls usually have shorter waits than weekend calls. If you have a non-urgent question, calling during off-peak hours can cut your wait time in half.
Can I reach a representative who speaks Spanish?
Yes. When you call 1-800-935-9935, the automated system will offer you the option to continue in Spanish. Select that option and you'll be routed to a Spanish-speaking representative.
What if I'm calling from outside the United States?
You can still call 1-800-935-9935, but you may incur international calling charges depending on your phone plan. Chase also lists international phone numbers on its website under "Contact Us" — look for the number for your country to avoid long-distance fees.
Do I have to speak to a person, or can I handle everything through the automated system?
The automated system can handle many tasks like checking your balance, making a payment, and reporting a lost card. Press the options that match your need, and the system will walk you through it. You only reach a representative if you press the option for something the automated system can't do or if you ask to speak to someone.