Chase Credit Card Phone Numbers and Hours

Chase operates separate phone lines for different card types and issues. The main number for Chase credit card customers is 1-800-935-9935, available 24 hours a day, 7 days a week. This line handles account questions, payment issues, fraud reports, and general customer service.

If you have a Chase business credit card, call 1-800-955-9060 instead. For customers who are deaf or hard of hearing, Chase offers a TTY line at 1-800-935-9935 — press the appropriate option when prompted. Wait times are typically shorter early in the morning on weekdays.

You do not need to have your card in front of you to call, but having your account number or the phone number associated with your account will speed up verification. Chase representatives can look up your account by Social Security number if needed.

Key Takeaways

  • Chase credit card customer service is available at 1-800-935-9935 around the clock, and business cardholders should call 1-800-955-9060 instead.
  • You can reach Chase through their website's find message center, their mobile app, or by visiting a Chase branch in person for some account changes.
  • Report a lost or stolen card when ready by phone — Chase can freeze your account within seconds and mail a replacement card within 5 to 7 business days.
  • Chase handles payment arrangements, dispute claims, and credit limit changes over the phone, but some requests like address changes can be completed online faster.

Contacting Chase Online and Through the Mobile App

Chase's website at chase.com offers a find message center where you can contact customer service without calling. Log into your account, navigate to the "Contact Us" section, and select the issue category. Messages are typically answered within 24 hours on business days, though urgent matters like fraud are handled by phone faster.

The Chase mobile app includes a direct messaging feature and a live chat option during business hours. Open the app, go to "Help & Support," and choose either "Message Us" or "Chat with Us." Live chat is available Monday through Friday, 8 a.m. to 8 p.m. Eastern time, and Saturday 9 a.m. to 6 p.m. Eastern time.

For routine changes like updating your mailing address, phone number, or email, you can handle these directly in your online account without contacting a representative. Log in, go to "Profile & Settings," and select "Personal Information." Changes take effect when ready for email and phone, and within 1 to 2 business days for mailing address.

Visiting a Chase Branch in Person

If you prefer to speak with someone face-to-face, you can visit any Chase branch during business hours. Bring a government-issued ID and your credit card. Branch representatives can help with payment arrangements, credit limit requests, and account questions, though they cannot process some requests like fraud disputes — those still go through the phone line or online system.

Branch hours vary by location, but most Chase branches are open Monday through Friday 9 a.m. to 5 p.m., with limited Saturday hours. Use the branch locator on chase.com to find the nearest location and confirm hours before you go. If you need to speak with someone about a sensitive issue, calling ahead to schedule an appointment can reduce wait time.

Reporting Fraud, Lost Cards, and Disputed Charges

Report a lost or stolen card when ready by calling 1-800-935-9935. Chase can freeze your account within seconds, and you will not be liable for unauthorized charges made after you report the card missing. A replacement card ships within 5 to 7 business days to your address on file.

For disputed charges, you have 60 days from the date the charge appeared on your statement to report it. Call the main customer service line or use the find message center to start a dispute. Chase will investigate and typically resolve the claim within 30 to 60 days. During the investigation, the disputed amount is usually credited back to your account temporarily.

If you notice suspicious activity on your account, call when ready rather than waiting for your statement. Chase's fraud team can review recent transactions and reverse any that were not authorized by you. They may also issue a new card number as a precaution, even if only one charge was fraudulent.

Payment and Account Management Questions

Call customer service to discuss payment options, set up automatic payments, or arrange a payment plan if you are behind on your balance. Chase representatives can explain your options without judgment and will not pressure you into a specific plan. If you are experiencing financial hardship, ask about hardship programs — Chase offers temporary relief options like reduced interest rates or extended payment terms for customers facing temporary difficulties.

Questions about your credit limit, interest rate, or annual fee should also go through customer service. Representatives can sometimes lower your interest rate or waive an annual fee, particularly if you have been a customer for several years and have made payments on time. These requests are not always granted, but asking costs nothing.

If you need a copy of your statement or have questions about specific charges, you can retrieve statements online through your account dashboard going back several years. For older statements or special requests, call customer service and they can mail or email a copy to you.

International and Specialty Card Lines

If you hold a Chase Sapphire card, a business card, or another specialty product, you may have access to a dedicated concierge line. Check the back of your card — many premium cards list a separate number for cardholders. These lines often have shorter wait times and representatives with more detailed knowledge of your specific card's benefits.

Customers traveling internationally can call Chase collect or use the international number listed on the back of their card. Chase has representatives available in multiple languages. If you are outside the United States, calling the main line may incur international charges, so using the collect option or the international number is usually cheaper.

Frequently Asked Questions

What should I do if I cannot reach Chase by phone?

Try the find message center on chase.com or the mobile app — these often have shorter response times than phone lines during peak hours. You can also visit a Chase branch in person. If your issue is urgent, like fraud, calling back during off-peak hours (early morning or late evening) typically results in shorter wait times.

Can I change my credit limit over the phone?

Yes. Call customer service and ask to request a credit limit increase or decrease. Chase will review your account and may approve an increase on the spot, or they may tell you to reapply after a certain period. Decreasing your limit is usually approved when ready. Some customers can also request a limit change through their online account.

How long does it take to resolve a dispute?

Chase typically investigates disputes within 30 to 60 days and credits the disputed amount back to your account temporarily while they investigate. You will receive written confirmation of the outcome. If Chase rules in your favor, the credit becomes permanent. If they rule against you, they will explain why and the credit is removed.

What if I need to speak to someone about a late payment or missed payment?

Call customer service when ready. Explain your situation — Chase representatives handle these calls regularly and can discuss options like payment plans, temporary rate reductions, or hardship programs. The sooner you call, the more options may be available to you. Do not ignore the account; calling shows good faith.

Is there a way to avoid long hold times?

Call early in the morning on a weekday, use the online message center or app chat during business hours, or visit a branch in person. Avoid calling on Monday mornings or Friday afternoons, when call volume is highest. If your issue is not urgent, the message center is often faster because you do not have to wait on hold.