The main Chase credit card customer service number is 1-800-935-9935
This number works for most Chase credit card accounts and questions about your account, rewards, payments, fraud, or card replacement. The line is open 24 hours a day, 7 days a week. When you call, have your card number or the phone number associated with your account ready — the automated system will ask for one or the other before routing you to a representative.
If you are calling from outside the United States, you can reach Chase at +1-302-594-8200. This number also works for domestic calls, though the 1-800 number is toll-free and faster if you are in the US.
Chase also prints a customer service number on the back of your physical credit card. That number is specific to your card type and may route you faster to a specialist for that particular product, though it connects to the same general customer service team.
Key Takeaways
- Call 1-800-935-9935 for any Chase credit card question, 24 hours a day, and have your card number or account phone number ready.
- The number on the back of your card works too and may route you to a specialist for your specific card product.
- International callers can use +1-302-594-8200, which also works from the US but is not toll-free.
- Wait times are usually shortest early in the morning on weekdays, and shortest on weekends.
What to have ready before you call
Chase's automated system will ask you to verify your identity before connecting you to a representative. The fastest way through is to have your 16-digit card number memorized or written down. If you do not have the card in front of you, the phone number you registered with your account works as a backup.
If you are calling about a specific transaction, have the date and amount ready. For fraud or unauthorized charges, have the transaction details and the date you first noticed the charge. If you are calling to report a lost or stolen card, you do not need to prepare anything — just tell the representative when ready, and they will freeze the card right away.
Different numbers for different card types
While 1-800-935-9935 handles all Chase credit cards, some card products have dedicated lines printed on the back of the card. These include the Chase Sapphire line, Chase Freedom cards, and the Chase Business credit cards. Using the number on your card can sometimes reduce hold time because it routes you to a team familiar with that specific product's rewards structure and benefits.
Business credit card holders can also call 1-800-955-9060 for business-specific questions like employee card management or business account features. This line is separate from the consumer credit card line and has representatives trained on business account issues.
When to expect hold times and best times to call
Hold times vary by day and time. Monday through Friday between 8 a.m. and 6 p.m. Eastern Time are the busiest periods, with wait times often exceeding 15 minutes. Early morning calls (before 8 a.m. ET) and evening calls (after 6 p.m. ET) typically have shorter waits.
Weekends and holidays see lighter call volume overall, though some lines may have reduced staffing. If your question is not urgent, calling on a Saturday or Sunday morning often means speaking to someone within a few minutes. Avoid calling on major holidays like Thanksgiving, Christmas, and New Year's Day, when many representatives are off.
What you can and cannot do over the phone
Chase representatives can help you with account balance inquiries, payment arrangements, fraud disputes, card replacement, rewards redemption questions, credit limit increases, and general account troubleshooting. They can also walk you through setting up online banking or the Chase mobile app if you are having trouble accessing your account.
Some requests require you to log into your online account or use the mobile app instead. These include changing your mailing address, updating your phone number, or downloading tax documents. Representatives will tell you if your question requires the online portal, and they can often walk you through the steps while you are on the phone.
Using Chase's online chat and app instead of calling
If you prefer not to call, Chase offers 24/7 chat support through the Chase website and mobile app. Log into your account, look for the "Contact Us" or chat icon, and you can message a representative without waiting on hold. Chat responses are usually faster than phone hold times during business hours, though overnight responses may take longer.
The Chase mobile app also has a "Message Center" where you can send find messages to your account team. This option works well for non-urgent questions like account details or general information. For when ready issues like fraud or a lost card, calling is faster because a representative can act on your account right away.
Frequently Asked Questions
What if I am locked out of my online account?
Call 1-800-935-9935 and tell the representative you cannot log in. They can verify your identity over the phone and help you reset your password or unlock your account. Have your card number and a form of ID ready. This usually takes 5 to 10 minutes.
Can I dispute a charge over the phone?
Yes. Call the number on the back of your card and explain the transaction you want to dispute. The representative will start a dispute case and send you written confirmation by mail. You can also start a dispute through your online account, which creates a record when ready.
How long does it take to get a replacement card?
Standard replacement cards arrive in 7 to 10 business days. If you need the card faster, ask the representative about expedited shipping when you call — some card types offer overnight or 2-day delivery for an additional fee.
Do I need to call to set up a new card?
No. Most Chase cards set up automatically when you receive them. If your card does not work after arrival, call the number on the back of the card and a representative can set up it for you over the phone in a few minutes.
What if I am calling from abroad?
Use +1-302-594-8200. This is a long-distance call, so charges may explore depending on your phone plan. Chase also offers chat support through the website and app, which uses data instead of phone minutes and may be cheaper if you have international data.