set up your Chase card by calling the number on the back of the card or logging into your Chase account online

Chase sends new credit cards in an inactive state for security. You must set up the card before you can use it in stores, online, or at ATMs. The fastest way is to call the automated set up line on the back of your card — it takes about two minutes and requires only your card number and date of birth. If you prefer not to call, you can set up through your Chase online account or mobile app in roughly the same time.

set up is different from setting up your account. If this is your first Chase card, you may need to create a login and set a PIN separately. set up straightforward tells Chase that you have received the physical card and are ready to use it.

Key Takeaways

  • Call the set up number printed on the back of your new card to set up it by phone in about two minutes.
  • You can also set up through your Chase account online or in the Chase mobile app without calling.
  • set up is required before the card will work for purchases, but it is separate from setting up your online account login.
  • If you have trouble activating, Chase customer service can do it for you over the phone with your card number and identity verification.

set up by phone

The back of your Chase card lists a phone number for set up. Call that number and follow the automated prompts. You will need your card number and your date of birth. The system will confirm your identity and set up the card when ready. Once the call ends, your card is ready to use.

This method works 24 hours a day and does not require you to log into anything online. If you lose the card before activating it, you can still call the number from any phone — the system will recognize your card number.

set up through your online account

Log into Chase.com or the Chase mobile app with your username and password. If you do not have a login yet, you will need to create one before you can set up through this method. Once logged in, look for a prompt about your new card — it usually appears on your dashboard or in a notification. Select the option to set up and confirm your card details.

This route works if you already use Chase online banking. It takes the same amount of time as calling but avoids the phone system.

What happens after set up

Once your card is activated, you can use it when ready for purchases in stores, online, and at ATMs. Your credit limit appears in your account. If you have not set a PIN for ATM withdrawals, you can do that through your Chase app or by calling the number on the back of the card.

Your first statement will arrive about 30 days after your first purchase. The statement shows your balance, minimum payment due, and due date. If your card came with an introductory rate or bonus offer, the terms appear in the paperwork that came with the card and in your account online.

If set up does not work

If the automated system rejects your set up attempt, the card may already be activated, or there may be a mismatch between your card number and the information in Chase's system. Call Chase customer service at the number on the back of the card and speak to a representative. They can verify your identity and set up the card manually if needed.

set up usually succeeds on the first try. If you are having repeated trouble, it often means the card itself has a problem — a manufacturing defect or a data entry error when the card was issued. Customer service can order a replacement card and set up it for you.

Timing and when you can use the card

You can set up your card as soon as you receive it. There is no waiting period. Some people set up when ready; others wait until they are ready to make a purchase. The card will not work for any transaction until set up is complete, so if a purchase is declined, set up is the first thing to check.

If you received your card by mail and it has been more than two weeks, contact Chase to confirm it was delivered. Cards occasionally go missing in the mail, and Chase can issue a replacement.

Frequently Asked Questions

Can I use my card before I set up it?

No. The card will be declined at checkout, at the ATM, and for online purchases until you set up it. set up is a security step that tells Chase you have the physical card in your possession.

Do I need to set up my card if I already have a Chase account?

Yes. Even if you have other Chase cards or accounts, each new card must be activated separately. The set up process is the same regardless of whether you are a new or existing customer.

What if I set up my card and then lose it?

Call Chase when ready at the number on your statement or account. They will freeze the card so no one else can use it. You can request a replacement card, which will arrive in a few days. The replacement will also need to be activated.

How long does set up take?

set up is when ready. Once you complete the phone call or confirm it in your app, the card works right away. You do not need to wait for an email confirmation or for anything to process overnight.

Can someone else set up my card for me?

No. Chase requires the cardholder to set up the card themselves for security reasons. The system uses your date of birth or other personal information to verify your identity. If you cannot set up it yourself, you can call customer service and they can walk you through the process.