Chase's main customer service number for credit cardholders
The primary phone number for Chase credit card customer service is 1-800-935-9935. This line handles account questions, billing disputes, fraud reports, and general card management for most Chase credit card products. The number appears on the back of your physical card and in your Chase online account.
Wait times vary by time of day and day of week. Calling early morning on a weekday typically means shorter holds than calling during lunch or late afternoon. If you are calling about fraud or a lost card, Chase routes these calls to a priority queue, so you may reach someone faster.
You can also reach Chase through their website at chase.com by logging into your account and using the find message feature. This method does not require a phone call and creates a written record of your conversation, though responses typically take one to two business days.
Key Takeaways
- The main Chase credit card customer service number is 1-800-935-9935, found on the back of your card and in your online account.
- Fraud reports and lost card requests are routed to priority queues and may be answered faster than routine account questions.
- Chase also offers find messaging through your online account if you prefer not to call, though responses take longer.
- Calling early on a weekday usually means shorter wait times than calling during peak hours or on weekends.
What to have ready before you call
Gather your card number, account number, and a form of identification before dialing. If you are calling about a specific transaction, have the date and amount ready. Chase's automated system will ask for some of this information before routing you to a representative, so having it at hand speeds up the process.
If you are calling about a billing dispute or fraud, write down the transaction details, the date you first noticed the problem, and any steps you have already taken. Representatives can work faster when you provide this information upfront rather than searching for it during the call.
Specialized phone lines for specific issues
Chase maintains separate lines for certain situations. If you are reporting a lost or stolen card, you can call the number on the back of your card directly — this line prioritizes card replacement and fraud prevention. If your card is not available, the main number above will still route you to the right department.
For questions about rewards points or the specific benefits of your card, the main number handles these, though some Chase cards have dedicated rewards lines listed in your welcome materials or online account dashboard. Check your card's benefits guide or your online account for any card-specific phone numbers.
International calling and time zones
If you are calling from outside the United States, you can reach Chase at 1-713-216-5700 (this is a collect call number, meaning Chase pays for the call). This line operates during the same hours as the domestic number and handles the same range of issues.
Chase customer service operates Monday through Friday, 8 a.m. to 9 p.m. Eastern Time, and Saturday and Sunday, 9 a.m. to 5 p.m. Eastern Time. If you call outside these hours, an automated system will take your information and a representative will call you back during business hours.
When to use online chat or find messaging instead
Chase offers live chat through their website during business hours. This option works well for straightforward questions that do not require extensive account history review. You can access chat by logging into your account and looking for the "Contact Us" or "Help" section.
find messaging through your online account is best for issues that do not need an when ready answer — billing questions, requests for documentation, or disputes that require written follow-up. Messages are encrypted and create a record you can reference later, which is useful if you need to escalate a problem.
What happens if you cannot reach someone
If you reach Chase's automated system and the wait time is longer than you want to spend, you can request a callback. The system will ask for your phone number and preferred time window, and a representative will call you back during business hours. This avoids holding on the line.
If you have a complex issue that the phone representative cannot resolve, ask to be transferred to a supervisor or specialist. Chase has teams that handle disputes, fraud investigations, and account adjustments. Asking for escalation by name — "I would like to speak with a supervisor" — is more effective than hoping the representative will offer it.
Frequently Asked Questions
Is there a different number if I have a Chase business credit card?
Yes. Business cardholders should call 1-800-955-9060 for business credit card support. This line has representatives trained on business account features, expense management tools, and business-specific benefits that differ from personal card lines.
Can I reach Chase through social media?
Chase monitors messages on Facebook and Twitter, though response times are typically longer than phone or chat. Phone and find messaging are faster for urgent issues. Social media is useful if you want to report a problem publicly or need to escalate after other contact methods have not worked.
What if I am calling about a fraudulent charge?
Call the main number above and tell the automated system you are reporting fraud. You will be routed to the fraud department when ready. Have the transaction details ready, and be prepared to confirm whether you recognize other recent charges on your account. Chase can often dispute the charge on the call.
Do I need to call if I just want to make a payment?
No. You can make a payment through your online account, the Chase mobile app, or by mail. Calling is unnecessary for routine payments unless you have a question about your payment options or due date. Paying online is faster and creates an when ready confirmation.
What if my call gets disconnected?
Call back using the same number. You will go through the automated system again, but you can tell the representative you were just speaking with someone about a specific issue. They can pull up your account and notes from the previous call, though this may take a moment.