Chase credit card customer service phone numbers and hours

Chase operates separate phone lines for different card types and issues. The main number for Chase credit card customer service is 1-800-935-9935, available 24 hours a day, seven days a week. This line handles general account questions, balance inquiries, and payment issues for most Chase credit cards.

If you have a specific card type, Chase may route you more quickly through a dedicated line. For example, Chase Sapphire cardholders can call 1-800-453-9719, and Chase Freedom cardholders can reach 1-800-955-9060. These numbers are also available around the clock. When you call any Chase number, have your card number and the phone number associated with your account ready — the automated system will ask for both before connecting you to a representative.

Wait times vary by time of day and season. Early morning (before 8 a.m. ET) and late evening typically have shorter queues. Weekday calls are usually faster than weekend calls. During tax season (January through April) and the holiday shopping period (November and December), expect longer waits regardless of when you call.

Key Takeaways

  • The main Chase credit card customer service number is 1-800-935-9935, available 24/7 for account questions, payments, and fraud reports.
  • Specific card products like Sapphire and Freedom have dedicated lines that may route you faster, though all numbers operate around the clock.
  • You will need your card number and the phone number on file to reach a representative through the automated system.
  • Early morning and late evening calls typically have shorter wait times than midday or weekend calls.

What you can handle online or through the mobile app instead

Many routine tasks do not require a phone call. The Chase mobile app and Chase.com let you view your balance, make payments, set up alerts, dispute transactions, and temporarily freeze your card without speaking to anyone. You can also read statements, update your address, and change your PIN through these channels.

If you need to report a lost or stolen card, you can freeze it when ready in the app before calling. The app will show you the option under "Card Controls." This stops new charges when ready while you arrange a replacement. You can also request a new card through the app and track its delivery status.

For questions about rewards, redemption options, or your card's benefits, the Chase website has detailed guides for each product. Many cardholders find answers faster by searching the help section than by waiting on hold. The app also sends push notifications about your account, which can answer time-sensitive questions about holds, pending charges, or fraud alerts.

Reporting fraud and disputing charges

If you see an unauthorized charge, call 1-800-935-9935 when ready. Chase's fraud team operates 24/7 and can freeze your account, cancel your card, and start an investigation the same day. Have the specific transaction in front of you — the merchant name, amount, and date — so you can describe it clearly.

Chase will issue a temporary credit to your account while they investigate, usually within one to three business days. The full investigation takes up to 10 business days. During that time, you can use your account normally; the temporary credit does not reduce your available credit. If Chase determines the charge was fraudulent, the temporary credit becomes permanent.

For disputes that are not fraud — for example, a charge for something you did not receive, or a billing error — you can also start the process through the app or website. Go to your transaction history, select the charge, and choose "Dispute this transaction." Chase will ask you to describe the issue and may request documentation like order confirmations or shipping records. This process also takes up to 10 business days.

Account changes and service requests

Some changes require a phone call because Chase needs to verify your identity beyond what the app can do. These include requesting a credit limit increase, closing your account, adding an authorized user, or changing your billing address if you have a balance on the card. Call the main number and tell the representative what you need.

Credit limit increases can sometimes be processed when ready if you have been a cardholder for at least six months and have a good payment history. Chase may offer an increase without you asking; if you see an offer in your app or online account, you can accept it there without calling. If you want to request one, a representative can tell you whether you are may be able to access and what the new limit would be.

Closing an account requires a phone call because Chase needs to confirm you want to do this — closing a card can affect your credit score. A representative will ask whether you want to keep the account open and will explain the impact before processing the closure. If you have a balance, you will still need to pay it after the account closes.

Billing and payment questions

If you have questions about your statement, minimum payment, or due date, the app shows all of this information in real time. You can also set up automatic payments through the app so you never miss a due date. However, if you believe there is an error on your statement — for example, a charge that appears twice or a payment that did not post — call customer service to report it.

Chase can also help if you are having trouble making a payment. If you are facing financial hardship, representatives can discuss options like a temporary payment plan or a lower interest rate. These conversations are confidential and do not automatically affect your credit. Calling proactively before you miss a payment is better than waiting; Chase is more likely to work with you if you reach out first.

If you have set up automatic payments and want to change the amount or date, you can do this in the app under "Payments" without calling. The change takes effect on your next scheduled payment date.

International travel and card set up

If you are traveling outside the United States, call customer service before you leave to let Chase know your travel dates and destinations. This prevents your card from being declined due to fraud detection. You can also set travel notifications in the app under "Card Controls," which is faster and does not require a phone call.

New Chase cards arrive with a fraud hold by default — you cannot use them until you set up them. Most cards set up automatically the first time you use them, but you can also set up through the app or by calling the number on the back of the card. set up takes seconds and does not require speaking to a representative.

If your card is declined while traveling and you have already notified Chase of your trip, call the number on the back of your card when ready. A representative can temporarily lift the block so you can complete the transaction. Keep this number handy while traveling in case you need it.

Rewards and benefits questions

Each Chase credit card comes with specific rewards rates and benefits. If you are unsure what your card offers, the app has a "Benefits" or "Rewards" section that lists everything. You can also find detailed guides on Chase.com for your specific card product.

If you want to redeem rewards points, you can usually do this through the app or website without calling. Most Chase cards let you redeem for cash back, travel, or gift cards when ready. If you have questions about redemption options or want to know the best way to use your points, a representative can walk you through the choices, but the app often shows all options clearly.

For premium cards like the Sapphire Reserve or Sapphire Preferred, benefits like travel credits, concierge services, or insurance coverage are explained in your welcome materials and on the Chase website. If you have a question about whether a specific purchase qualifies for a benefit, calling the dedicated line for your card type can get you a faster answer.

Frequently Asked Questions

What should I do if I cannot reach a representative?

If wait times are very long, try calling early in the morning (before 8 a.m. ET) or late at night. You can also use the app or website to handle many issues without calling — payments, fraud reports, and account changes can often be completed online. If your issue truly requires a phone call and you cannot wait, ask the automated system if you can receive a callback instead of holding.

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

No. New Chase cards set up automatically the first time you use them. You can also set up through the app or by calling the number on the back of the card, but neither is required. If your card is not working after your first purchase, then call customer service to troubleshoot.

Can I dispute a charge through the app instead of calling?

Yes. Go to your transaction history, select the charge you want to dispute, and choose "Dispute this transaction." You will describe the issue and may need to upload documentation. This process takes the same amount of time as calling and creates a written record of your dispute.

What if I am having trouble paying my bill?

Call customer service to discuss your situation. Representatives can explain options like payment plans or temporary rate reductions. Calling before you miss a payment is better than waiting, because Chase is more likely to work with you if you reach out first. These conversations are confidential.

Is there a way to avoid long hold times?

Call early in the morning (before 8 a.m. ET) or late at night for shorter waits. Weekday calls are typically faster than weekend calls. For routine tasks like payments, balance checks, or fraud reports, use the app or website instead — these are available when ready and do not have wait times.