The Chase customer service number for credit cards is 1-800-935-9935
That number works for most Chase credit card holders calling from the United States. It routes you to representatives who handle account questions, payment issues, fraud reports, and general card management. The line is open 24 hours a day, 7 days a week.
If you have a business credit card from Chase, use 1-800-955-9060 instead. That line handles business accounts separately and also operates around the clock.
You will need your card number or the phone number associated with your account when you call. Chase uses this information to pull up your account before connecting you to a representative.
Key Takeaways
- The main Chase credit card customer service number is 1-800-935-9935, available 24/7 for personal accounts.
- Business cardholders should call 1-800-955-9060 instead, which is also available around the clock.
- You can find the customer service number on the back of your physical card, on your monthly statement, or on the Chase website.
- Have your card number or account phone number ready before calling to speed up the process.
- Chase also offers customer service through their mobile app, website chat, and find message options if you prefer not to call.
Where to find the number if you don't have it memorized
The fastest place to look is the back of your Chase credit card itself. The customer service number is printed there along with other account information. If you don't have your card handy, check your most recent monthly statement — the number appears on the front or back.
You can also find it on Chase.com by logging into your account. Go to the "Contact Us" section, and the number will appear along with other contact methods. If you are setting up a new account or haven't received your card yet, the number is listed on the welcome materials Chase sends in the mail.
What you can handle by phone versus online
Calling works best for urgent issues: reporting a lost or stolen card, disputing a charge, asking about fraud on your account, or getting an when ready answer about your balance or payment due date. A representative can freeze your card on the spot and issue a replacement.
Many routine tasks are faster online or through the Chase mobile app. You can make a payment, view your statement, change your address, set up autopay, or check your credit limit without waiting on hold. The Chase website also has a chat feature that connects you to a representative without a phone call — useful if you are in a place where you cannot talk on the phone.
If you prefer written communication, you can send a find message through your Chase account online. Responses typically come within one to two business days.
What happens when you call
When you dial, an automated system asks why you are calling. You can say your reason out loud or press numbers on your keypad. This routes you to the right department — fraud, payments, general account questions, or credit limit increases. The system may also ask you to verify your identity by providing your card number or Social Security number.
Wait times vary by time of day and season. Early morning and late evening usually have shorter queues. If you call during tax season (January through April) or around major holidays, expect longer waits. The automated system will tell you the estimated wait time before you are placed in the queue.
Once connected to a representative, have your account information ready. They can usually resolve most issues in one call — making a payment arrangement, disputing a charge, or explaining a fee. If your issue requires research or a supervisor's decision, they will tell you how long it will take and how you will hear back.
International calling and other contact methods
If you are calling from outside the United States, the number is 1-302-594-8200. This is a long-distance call and may incur charges depending on your phone plan. Some countries have local Chase numbers; you can find these on the Chase website under "Contact Us" by selecting your country.
Chase also offers customer service through their mobile app, which has a "Contact Us" button that lets you call, chat, or message without leaving the app. The website version at Chase.com has similar options. If you use Twitter or Facebook, Chase monitors both platforms and can direct you to the right department, though this is slower than calling or using the app.
What to do if you can't reach anyone
If the line is extremely busy or you keep getting disconnected, try calling during off-peak hours: early morning (before 8 a.m.) or late evening (after 8 p.m.). Weekday mornings are usually less crowded than afternoons or weekends.
If you have an urgent issue and cannot wait, the Chase mobile app often connects you to a representative faster than the phone line. You can also visit a Chase branch in person if you have one nearby — they can handle many account issues and can escalate problems that need phone support.
For billing disputes or fraud, you do not have to resolve everything by phone. You can also send a written dispute letter to the address on your statement. This creates a paper record and gives Chase 30 days to investigate. Many people do both — call to report the issue and follow up with a letter.
Frequently Asked Questions
Is the number on my card the same as the main customer service line?
Usually yes, but not always. Some older cards or specialty cards may have a different number printed on the back. Always use the number on your card first, since it is set up for your specific card type. If that number does not work, call the main line at 1-800-935-9935.
Can I reach Chase customer service outside the United States?
Yes. From outside the U.S., call 1-302-594-8200. This is a long-distance call and may cost money depending on your phone plan. Chase.com also lists local numbers for specific countries if you are traveling or living abroad.
What if I need to dispute a charge but don't want to call?
You can start a dispute online through your Chase account or send a written letter to the address on your statement. Written disputes create a paper trail and give Chase 30 days to investigate. You can also use the find message feature in your online account to start the process without calling.
How long does it usually take to speak to someone?
Wait times vary widely depending on the time of day, day of week, and season. Early mornings and late evenings are usually faster. During busy periods like tax season or holidays, waits can be 15 to 30 minutes or longer. The automated system tells you the estimated wait time before you enter the queue.
What if my issue requires a supervisor or manager?
Tell the representative that you need to speak to a supervisor. They will note your account and transfer you, though this may add to your wait time. You can also request a callback instead of waiting on hold — the supervisor will call you back within a set timeframe.