Chase Credit Card Phone Numbers by Department

Chase operates separate phone lines for different card types and issues. The main number for Chase credit cardholders is 1-800-935-9935. This line handles general account questions, payment issues, fraud reports, and balance transfers.

If you hold a Chase business credit card, call 1-800-955-9060 instead. For the Chase Sapphire Reserve or Sapphire Preferred cards, you can reach the concierge line at 1-800-1-SAPPHIRE (1-800-172-7743), available 24/7 for cardholders.

Chase also maintains a dedicated fraud line at 1-800-955-9060 for reporting unauthorized charges or suspected identity theft. If you are calling about a lost or stolen card, the main number above can deactivate it when ready while you wait on the line.

Key Takeaways

  • The main Chase credit card customer service number is 1-800-935-9935, and it handles most account questions and payment problems.
  • Business cardholders should call 1-800-955-9060, which is a separate line with different hours and routing.
  • Sapphire Reserve and Sapphire Preferred cardholders can reach a dedicated concierge at 1-800-1-SAPPHIRE for travel and lifestyle questions.
  • Chase can deactivate a lost or stolen card over the phone when ready, so you do not need to wait for a replacement to arrive.
  • Wait times are typically shortest early in the morning on weekdays, and longest on Monday mornings and Friday afternoons.

What Information to Have Ready Before You Call

Chase will ask for your account number or the phone number associated with your account before connecting you to a representative. Have your card itself nearby so you can read the 16-digit number if needed. If you are calling about a specific transaction, have the date and amount ready.

For fraud or unauthorized charges, Chase may ask when you first noticed the problem and whether you recognize any other transactions on your statement. If you are calling about a payment, know your current balance and the amount you want to pay. For credit limit increases or other account changes, have your annual income and employment status available.

When to Call Versus Using Chase's Online Tools

Chase offers 24/7 account access through its website and mobile app, which is faster for checking your balance, making a payment, or viewing recent transactions. You can also freeze or unfreeze your card through the app without calling.

Call customer service when you need to dispute a charge, request a credit limit increase, report a lost card, or discuss account options that require a conversation. If you are locked out of your online account or cannot find an answer in the app, calling is usually the next step. For time-sensitive issues like fraud, calling is faster than waiting for an email response.

International Calling and Collect Calls

If you are outside the United States, you can call Chase collect at 1-609-987-0500. This number accepts collect calls from most countries, though some carriers may charge an international rate even for a collect call.

Chase also has international customer service lines in some countries. If you are traveling, check your card's back for a local number, or visit Chase.com to find the phone number for your location. Many international lines have shorter wait times than the main U.S. number.

Mailing Address and Written Correspondence

If you prefer to write instead of call, you can send mail to Chase at P.O. Box 15298, Wilmington, DE 19850-5298. Include your account number, the date, and a clear description of your issue. Written requests typically take 7 to 10 business days to receive a response.

For disputes or formal complaints, sending a letter creates a paper record that some cardholders prefer. If you are disputing a charge, calling first is usually faster, but following up with a written dispute letter within 60 days of the charge ensures your claim is documented in your account file.

Reaching Chase Through Social Media and Email

Chase monitors its Twitter account (@ChaseSupport) and Facebook page for customer questions, though response times vary. These channels are useful for general questions or to escalate an issue if you are unhappy with a phone call outcome, but they are not monitored 24/7.

Chase does not publish a general customer service email address. Instead, you can message Chase through its website contact form or through your online account dashboard. Responses to web inquiries typically arrive within 24 to 48 hours on business days.

What to Expect on Your First Call

When you call, an automated system will ask you to enter your account number or the phone number on file. After you provide this information, you will wait in a queue. During peak hours (Monday through Friday, 9 a.m. to 5 p.m. Eastern), wait times can reach 15 to 30 minutes.

Once connected to a representative, they will verify your identity by asking for your date of birth or the last four digits of your Social Security number. They will then route you to the correct department based on your issue. If your issue requires a specialist, you may be transferred again, which can add another 5 to 10 minutes to your call.

Frequently Asked Questions

Can I schedule a callback instead of waiting on hold?

Yes. When you call the main number, the automated system will offer you the option to receive a callback at a time you choose. You will still wait in the queue, but you can hang up and Chase will call you back when a representative is available, usually within the same business day.

What if I need to dispute a charge?

Call the main number and tell the representative you want to report an unauthorized or incorrect charge. They will ask for the transaction date, amount, and merchant name. Chase will then initiate a dispute investigation, which typically takes 30 to 60 days. You will receive written confirmation of the dispute by mail.

Is there a penalty for calling customer service too often?

No. Calling Chase customer service does not affect your credit score or account status. However, if you call repeatedly about the same issue within a short time, a representative may ask you to wait for a response to your previous request before opening a new one.

Can I reach a representative outside of business hours?

The main credit card line operates 24/7, so you can call at any time. However, some departments have limited hours. If you call outside business hours, you may be routed to an automated system or offered a callback for the next business day. The Sapphire concierge line is also available 24/7.

What if I am calling about a payment I already made?

Call the main number and have your confirmation number ready if you made the payment online or by phone. If you mailed a check, have the check number and the date you mailed it. Chase can tell you when the payment was received and when it will post to your account, which is usually 1 to 3 business days after receipt.