Chase Credit Card Customer Service Phone Number
The main Chase customer service line for credit card questions is 1-800-935-9935. This number works for most Chase credit card products, including Chase Sapphire, Chase Freedom, Chase Ink Business cards, and co-branded cards like the United or Amazon Chase cards. The line is open 24 hours a day, seven days a week.
When you call, have your card number, Social Security number, or account number ready. Chase's automated system will route you based on what you need — whether that's a question about your balance, a dispute, fraud reporting, or account changes. If you're calling about a specific card product, mentioning the card name upfront can speed up routing to the right department.
Chase also operates separate lines for specific situations. If you're calling about a business credit card, you may reach a different team. If you're reporting fraud or a lost card, the system will detect that and move you to the fraud department when ready, sometimes without waiting in the general queue.
Key Takeaways
- The main Chase credit card customer service number is 1-800-935-9935, available 24/7 for account questions, disputes, and changes.
- Have your card number or account number ready before calling, as the automated system uses this to route you to the right department.
- Reporting a lost or stolen card triggers when ready routing to fraud prevention, bypassing standard wait times.
- Business credit card holders may reach a separate team, and the system will ask which type of card you hold.
- Chase also offers phone support through the number on the back of your physical card, which may route differently based on your specific card product.
What to Have Ready Before You Call
Chase's automated system asks for identifying information at the start of the call. The fastest way through is to have your 16-digit card number ready — this is printed on the front of your card. If you don't have the card in front of you, your Social Security number or the account number from your billing statement will work as alternatives.
If you're calling about a specific transaction or dispute, have the date and amount of that charge available. If you're calling about a recent change to your account — like an address update or credit limit request — have the details of what you're asking for written down. This keeps the conversation focused and reduces the chance you'll need to call back.
For business credit card accounts, have your Employer Identification Number (EIN) or business tax ID ready instead of a personal Social Security number. The system will ask whether you're calling about a personal or business card early in the call.
When to Call vs. When to Use Online Options
Chase offers account management through its website and mobile app, which handles many routine tasks without a phone call. You can check your balance, make payments, view transactions, report a lost card, and request credit limit increases through the Chase app or website. For these straightforward tasks, online options are often faster than waiting on hold.
Call the customer service line when you need to discuss something that requires back-and-forth conversation — a dispute over a charge, questions about your account status, fraud concerns, or changes that the app won't let you make. If you've already tried to handle something online and hit a dead end, calling is the right next step.
Chase also offers chat support through its website during business hours. This can be useful if you have a quick question but don't want to wait on a phone call. However, complex issues or disputes almost always move to a phone conversation eventually, so calling directly may save time.
Reporting a Lost or Stolen Card
If your Chase credit card is lost or stolen, call 1-800-935-9935 when ready. The system recognizes fraud and lost card reports and routes you to the fraud department without the standard wait. Have your card number ready if you can, but if you don't have it, the system can look it up using your Social Security number.
Chase will deactivate your card on the call, usually within seconds. You can request a replacement card at the same time — it typically arrives within 7 to 10 business days. If you need a card sooner, ask about expedited shipping options, which may be available for an additional fee or at no cost depending on your card product.
After reporting the card lost or stolen, review your recent transactions on your account. If you spot charges you didn't make, report them during the same call or through your online account. Chase has a dispute process for unauthorized charges, and starting it when ready protects you under federal law.
Disputing a Charge on Your Account
To dispute a charge, call 1-800-935-9935 and tell the representative you want to report an unauthorized or incorrect transaction. Have the date, amount, and merchant name ready. The representative will ask whether you recognize the merchant at all, whether you authorized the charge, and what you believe happened.
Chase will open a dispute case and assign it a reference number. Write this number down — you'll need it to track the case. The investigation typically takes 30 to 60 days. During that time, Chase may credit the amount back to your account temporarily while they investigate, though this depends on the type of dispute and your account history.
You can also start a dispute through your online account or the Chase app, but calling allows you to explain the situation directly to someone who can answer questions about the process. If the merchant is a subscription service you thought you'd canceled, the representative can sometimes help you contact them directly to stop future charges.
Account Changes and Credit Limit Requests
Many account changes can be made online or through the app — updating your address, changing your PIN, or setting up automatic payments. However, if you want to request a credit limit increase, a phone call often gets a faster answer than the online request form. Call 1-800-935-9935 and ask to speak with someone about a credit limit increase.
The representative will review your account, including your payment history and current balance. They may approve an increase on the spot, deny it, or ask you to reapply in a few months. If you're denied, ask why — sometimes it's a timing issue (you've had the card less than six months) rather than a credit concern.
For other changes like closing an account, changing your billing statement date, or requesting a different card design, phone support can walk you through the process and confirm the change was made. These calls are usually shorter than disputes or fraud reports.
Wait Times and Best Times to Call
Chase customer service lines experience higher call volume during business hours, especially early morning and late afternoon. If you're not in a rush, calling between 10 a.m. and 2 p.m. on a weekday often means shorter waits. Calling early in the morning (before 8 a.m.) or late evening (after 8 p.m.) can also reduce hold times.
Weekends and holidays typically have lower call volume, which can mean shorter waits. However, some specialized departments (like business credit card support) may have limited hours on weekends. The automated system will tell you if a department is closed when you call.
If you reach a long hold time, you have the option to request a callback instead of waiting on hold. The system will call you back when a representative is available, usually within a few hours. This saves you from sitting on the phone, though you'll need to be available when they call.
Frequently Asked Questions
Is there a different number for Chase business credit cards?
The main number 1-800-935-9935 handles both personal and business credit cards. When you call, the automated system will ask which type of card you hold, and it will route you to the appropriate team. Some business cardholders also have a dedicated number printed on the back of their card, which may route faster to business support.
What if I can't reach anyone and need help when ready?
If you're reporting fraud or a lost card, the fraud department prioritizes these calls and you should reach someone quickly. For other issues, you can try the callback option instead of waiting on hold. You can also visit a Chase branch in person if you have an urgent account issue and prefer face-to-face help.
Can I dispute a charge through the app instead of calling?
Yes, you can start a dispute through the Chase app or website by selecting the transaction and choosing "Report as Unauthorized" or "Dispute This Transaction." However, calling allows you to explain the situation directly and may get faster resolution for complex disputes. Both methods start the same investigation process.
What happens if I call after hours?
Chase customer service is available 24/7, so you can call at any time. An automated system will handle your call, and you can report a lost card, check your balance, or request a callback. If you need to speak with a representative outside business hours, the callback option will schedule one for the next available time.
Do I need to call from the phone number on file with my account?
No, you can call from any phone. Chase will verify your identity using your card number, Social Security number, or account number instead. However, if you call from a number that's very different from your usual pattern, Chase may ask additional security questions to confirm you're the account holder.