Chase credit card customer service is available by phone 24 hours a day, seven days a week, but the number you call depends on what you need and which type of card you hold.

The main Chase credit card customer service line is 1-800-935-9935. This number works for most cardholders with general questions about their account, billing, rewards, or card features. You will need your card number or the phone number associated with your account to verify your identity.

Chase also operates specialized lines for specific situations. If you are calling about fraud, a lost or stolen card, or suspicious activity, you can reach the fraud department at the same main number — the automated system will route you to the right team. For business credit cards, the number is 1-800-955-9060. If you hold a Chase Sapphire, Freedom, or other premium card, you may have access to a dedicated concierge line; the back of your card will list that number.

Key Takeaways

  • The main Chase credit card line is 1-800-935-9935 and handles account questions, billing, rewards, and fraud reports.
  • Business cardholders should call 1-800-955-9060 instead of the consumer line.
  • Premium cards often include a dedicated concierge number printed on the back of your card.
  • Have your card number or account phone number ready when you call, and call during business hours if you need a callback rather than waiting on hold.

What to have ready before you call

Chase will ask you to verify your identity before discussing your account. Have your credit card number available, or the phone number linked to your account. If you are calling about a specific transaction, have the date and amount ready. If you are reporting fraud or a lost card, have the approximate date the problem occurred.

If you are calling about a billing dispute or a charge you do not recognize, write down the transaction details beforehand. This speeds up the call and gives the representative the information they need to investigate. If you are calling about a rewards question, know which rewards program your card uses — Chase Freedom, Chase Sapphire, or another — because the answer may differ by card.

Wait times and when to call

Chase phone lines are busiest on weekday mornings and early afternoons, especially Monday through Wednesday. If you want to minimize hold time, call early morning (before 9 a.m. Eastern) or late afternoon (after 4 p.m. Eastern). Weekends and evenings typically have shorter queues.

If you reach a long hold time and do not want to wait, ask the automated system or the first representative if you can request a callback. Chase will call you back during business hours instead of keeping you on hold. This option is not always advertised, but most representatives can arrange it if you ask.

What you can handle online instead

Many common tasks do not require a phone call. You can log into your Chase account online or through the Chase Mobile app to view your balance, make payments, dispute a transaction, view your rewards balance, or change your address. You can also freeze or unfreeze your card through the app if you lose it temporarily.

For questions about your rewards program, the Chase website has detailed information about how points or cash back are earned and redeemed. If you want to change your card's credit limit, you can often do this online, though some requests require a phone call. Checking the website or app first can save you a phone call for routine matters.

Fraud and lost card reporting

If your card is lost or stolen, call 1-800-935-9935 when ready. Chase will deactivate your card right away, and a replacement will arrive within 7 to 10 business days. If you need the card sooner, ask about expedited shipping when you call — some cards may have access to for next-business-day delivery for an additional fee.

For fraud or unauthorized charges, the same number routes you to the fraud team. You will need to report the fraudulent transaction and may be asked to dispute it in writing within a certain timeframe. Chase typically removes fraudulent charges while they investigate, but you may need to follow up in writing to complete the dispute process.

Billing disputes and charge-backs

If you see a charge you do not recognize or believe a merchant charged you incorrectly, call 1-800-935-9935 to report it. The representative will ask for details about the transaction and may start a dispute investigation on the spot. You may also be able to dispute the charge through your online account, which creates a record without waiting on hold.

Chase typically investigates billing disputes within 30 to 60 days. During that time, the charge may remain on your account, but it will be marked as disputed. If Chase finds in your favor, the charge will be removed and you will receive a credit. If the merchant responds with proof of the charge, Chase may side with them, and you will be notified of the outcome.

International calls and accounts outside the U.S.

If you are calling from outside the United States, you can reach Chase at 1-212-270-6000 (this is a collect call number). Some countries have local Chase numbers; check the back of your card or the Chase website for your region. International calls may incur long-distance charges depending on your phone plan.

If your account is registered to an address outside the U.S., you may be routed to a different department. Have your account details and passport or ID ready, as verification may take longer for international accounts. If you travel frequently, consider updating your contact information with Chase so they can reach you if they detect unusual activity.

Frequently Asked Questions

How long does it usually take to reach a representative?

Wait times vary by time of day and day of week, but typically range from 5 to 20 minutes during business hours. Early morning and late afternoon calls usually have shorter waits. If you do not want to wait, ask about a callback option when you reach the automated system.

Can I speak to someone about my credit limit?

Yes. Call 1-800-935-9935 and ask to speak with someone about a credit limit increase or decrease. Some requests can be handled when ready over the phone, while others may require a review of your account and a callback within a few business days.

What if I need to dispute a charge but do not want to call?

Log into your Chase account online or through the app and look for the "Disputes" or "Transactions" section. You can file a dispute directly without calling. Chase will send you a confirmation and timeline for the investigation. You can also mail a written dispute if you prefer.

Do I need to call to set up a new card?

No. Most Chase cards set up automatically when they arrive, or you can set up them through the app or website. You only need to call if you have trouble activating the card or if you want to discuss the card's features before using it.

What happens if I call after hours?

The automated system will answer and can handle some requests like reporting a lost card or checking your balance. For other issues, you can leave a message requesting a callback during business hours, or you can call back during the day to speak with a representative.