The main Chase credit card customer service number is 1-800-935-9935

Call this number to reach a representative who handles account questions, billing disputes, fraud reports, and general card issues. The line is open 24 hours a day, 7 days a week. Have your card number and the phone number associated with your account ready when you call.

Chase routes calls based on what you need. When you call, you will hear a menu asking whether you are calling about a credit card, checking account, mortgage, or other product. Select credit card, and the system will direct you to the right department. Wait times vary by time of day and call volume, but calling early morning or late evening typically means shorter holds.

If you are calling from outside the United States, Chase has international customer service numbers. The number varies by country. Check the back of your physical card or log into your Chase account online to find the number for your location.

Key Takeaways

  • The main Chase credit card phone line is 1-800-935-9935 and operates around the clock every day of the week.
  • Have your card number and account phone number ready before you call to speed up the process.
  • The automated menu will ask what type of account you are calling about; select credit card to reach the right team.
  • International callers should check the back of their card or their online account for the correct number for their country.
  • Early morning and late evening calls typically have shorter wait times than midday calls.

What you can handle on the phone

Chase credit card representatives can help with account balance questions, recent transaction inquiries, credit limit increases or decreases, and changes to your account settings like billing address or contact information. They also handle fraud reports, lost or stolen card replacement, and temporary card freezes.

If you have a billing dispute or question about a charge, the representative can start the investigation process. You do not need to mail anything in or use a separate form to report a problem — the phone representative documents everything and creates a case number for you to reference.

For rewards redemption questions, a representative can walk you through your points balance, show you what redemption options are available, and help you complete the redemption over the phone if you choose.

When to use the automated system instead

Chase offers an automated phone system that handles routine tasks without waiting for a representative. You can check your balance, make a payment, report a lost or stolen card, and hear your recent transactions by pressing buttons or saying commands. This system is faster if you know exactly what you need and do not have questions.

To use the automated system, call the same number (1-800-935-9935) and listen to the menu options. You can usually press a number or say "representative" to skip to a live person if the automated system cannot help you.

Online and app alternatives to calling

Chase's mobile app and website let you handle many issues without calling. You can view your balance, make payments, dispute a transaction, freeze your card, change your address, and check your rewards balance all from your phone or computer. These options are available 24/7 and do not require waiting on hold.

To reach customer service through the app or website, log into your account and look for a "Contact Us" or "Help" section. Most Chase accounts also have a message center where you can send a find message to a representative and receive a response within one business day.

What to have ready before you call

Gather your Chase credit card, your Social Security number or tax ID, and the phone number on file with your account. If you are calling about a specific transaction, have the date and amount ready. If you are reporting fraud, have any suspicious transactions written down with dates and amounts.

If you are calling about a billing dispute, have the original receipt or statement showing the charge. If you are calling from a phone number different from the one on your account, the representative may ask security questions to confirm your identity.

Specialty lines for specific issues

Chase operates separate phone lines for certain situations. If you are calling about fraud or a stolen card, the representative on the main line can transfer you to the fraud department when ready, or you can ask for the fraud line directly. The main number can also connect you to the rewards department if you have detailed questions about your specific rewards program.

Business credit card customers have a separate customer service number: 1-800-955-9060. If you hold a Chase business card, use this number instead of the consumer line.

Frequently Asked Questions

How long will I wait on hold when I call?

Wait times depend on call volume and time of day. Calls placed early morning (before 9 a.m.) or late evening (after 8 p.m.) typically have shorter waits. Avoid calling during lunch hours or on Monday mornings when volume is highest. The automated system will tell you the estimated wait time before you enter the queue.

Can I schedule a callback instead of waiting on hold?

Yes. When you call 1-800-935-9935, the automated system offers a callback option. You provide your phone number and preferred callback window, and a representative calls you back during that time instead of you waiting on the line.

What if I need to dispute a charge?

Call 1-800-935-9935 and tell the representative you want to dispute a transaction. They will ask for the date, amount, and merchant name. The representative creates a dispute case and sends you a confirmation number. Chase investigates and contacts you within 30 days with a result.

Is there a number for lost or stolen cards?

Use the main number 1-800-935-9935. When you call, the automated system offers an option to report a lost or stolen card when ready. You can freeze or cancel your card right away without waiting for a representative. A replacement card ships within 5 to 7 business days.

Can I reach Chase customer service through email or chat?

Chase does not offer live chat or email support for credit card issues. Your options are phone (1-800-935-9935), the mobile app message center, or find messages through your online account. The message center typically responds within one business day.