The main Chase credit card phone number and what it covers

Chase's general customer service line for credit cards is 1-800-935-9935. This number handles account questions, billing disputes, fraud reports, and payment issues for most Chase credit card products. The line is available 24 hours a day, 7 days a week.

When you call, have your card number, Social Security number, and a recent statement handy. Chase will ask you to verify your identity before discussing your account. If you're calling about a specific card product — like the Chase Sapphire Preferred or Chase Freedom Unlimited — this main line will route you to the right department.

Wait times vary by time of day and day of week. Early morning (before 9 a.m. Eastern) and weekday afternoons typically have shorter hold times than evenings or weekends.

Key Takeaways

  • Chase credit card customer service is reachable at 1-800-935-9935, open 24/7 for account questions, disputes, and fraud reports.
  • You will need your card number and Social Security number ready before calling, as Chase requires identity verification.
  • Specialized lines exist for fraud (1-800-955-9060) and lost or stolen cards (the same main number), so you do not always need the general line.
  • Chase also offers account management through the Chase mobile app and website, where you can make payments, dispute charges, and check balances without calling.

Specialized phone numbers for specific situations

If you need to report fraud or unauthorized charges, call 1-800-955-9060. This dedicated fraud line is staffed to handle compromised cards and suspicious transactions. Have your card ready and be prepared to describe the fraudulent charge in detail — the merchant name, amount, and date it appeared on your statement.

For a lost or stolen card, you can use the main number (1-800-935-9935) to report it when ready. Chase will deactivate the card on the spot and can mail a replacement within 7 to 10 business days. If you need the card faster, ask about expedited shipping options when you call.

Business credit card customers should call 1-800-955-9060 as well, though some business products have their own dedicated lines. If you hold a Chase business card, check the back of your card for a business-specific number.

What to expect when you call

When you reach Chase, an automated system will ask you to enter your card number or account number using your phone keypad. This speeds up routing and reduces the time you spend waiting. You can also say your account number aloud if your phone does not have a keypad or if you prefer not to enter it.

After verification, you will be connected to a representative. Most calls are answered within 5 to 15 minutes during business hours, though this varies. If you are calling about a billing dispute or fraud, the representative will open a case and give you a reference number — write this down for your records.

Representatives can discuss your balance, recent transactions, interest rates, credit limit increases, and payment arrangements. They cannot change your interest rate or waive fees on the spot, but they can escalate your request or transfer you to a specialist who may be able to help.

Using Chase's online and app options instead of calling

For many routine tasks, you do not need to call at all. The Chase mobile app and Chase.com let you view your balance, make payments, dispute a charge, set up alerts, and read statements without speaking to anyone. These options are often faster than calling, especially if you just need to check something or make a quick payment.

To dispute a charge online, log into your Chase account, find the transaction, and select "Dispute this charge." Chase will walk you through the process and typically resolve the dispute within 10 business days. You will receive updates by email and can check the status in your account.

If you prefer not to call but have a complex issue — such as a large fraud claim or a payment arrangement — you can also message Chase through the app's find messaging feature. Responses typically come within one business day.

International calling and TTY options

If you are calling from outside the United States, you can reach Chase at +1-302-594-8200. This is a collect call number, so your carrier may charge you for the call. International rates vary by carrier and country.

Customers who are deaf or hard of hearing can use a TTY phone at 1-800-935-9935 by pressing 711 to reach the relay service. The relay operator will connect you to Chase, and the call will proceed as normal. This service is free.

Timing your call for shorter wait times

Chase's busiest times are typically Monday through Friday between 10 a.m. and 3 p.m. Eastern Time. If you can call outside these windows — early morning, late afternoon, or on weekends — you will usually reach a representative faster.

If you are calling about a time-sensitive issue like fraud or a lost card, do not wait for a better time. Call when ready, even if wait times are long. Chase prioritizes fraud and lost card reports and will move you through the queue quickly.

For non-urgent questions, consider calling on a Tuesday, Wednesday, or Thursday morning before 9 a.m. Eastern. These tend to be the slowest periods for customer service volume.

What to do if you cannot reach Chase by phone

If you are having trouble getting through by phone, try the Chase website or mobile app first. Most issues can be resolved without calling, and you will have a written record of your actions.

You can also visit a Chase branch in person if you have a local branch nearby. Bankers at the branch can help with account questions, disputes, and card issues. Bring your card and a photo ID.

If you need to file a formal complaint about your credit card or Chase's service, you can contact the Consumer Financial Protection Bureau (CFPB) at ConsumerFinance.gov or call 1-855-411-2372. The CFPB investigates complaints and can compel Chase to respond.

Frequently Asked Questions

Will Chase charge me to call customer service?

No. Calls to Chase's toll-free numbers (1-800-935-9935 and 1-800-955-9060) are free from any phone in the United States. If you are calling from outside the US, your carrier may charge international rates, but Chase does not charge you directly.

Can I speak to a representative right away or do I have to listen to automated menus?

You will go through an automated system first to enter your account number, but this usually takes less than one minute. After that, you will be placed in the queue for a representative. You cannot skip the automated verification step.

What if I call about a dispute and the representative says they cannot help?

Ask to speak to a supervisor or escalation specialist. If the first representative cannot resolve your issue, they should transfer you to someone with more authority. If you are still not satisfied, you can file a complaint with the CFPB, which has the power to investigate Chase's handling of your case.

How long does it take to resolve a fraud claim over the phone?

Chase will open a case when ready and give you a reference number. The investigation itself typically takes 10 business days, though you may receive updates sooner. During this time, Chase will not hold you responsible for the fraudulent charge, and you can request a temporary credit while the investigation is ongoing.

Can I request a specific type of representative, like someone who speaks Spanish?

Yes. When you reach the automated system, you can select your language preference. Spanish-speaking representatives are available 24/7. If you need another language, ask the automated system or the first representative you reach, and they will transfer you if possible.