Chase's main credit card phone line and what it handles

Chase's general customer service number for credit cards is 1-800-935-9935. This line handles account questions, fraud reports, payment issues, and general inquiries about your card. The number appears on the back of your physical card and on your Chase online account dashboard.

Wait times vary by time of day and day of week. Calling early morning on a weekday typically means shorter holds than calling evenings or weekends. Chase's automated system will route you based on what you select — choosing the right option at the prompt speeds up the process.

You can also reach Chase through their website's find message center if your question is not urgent. Log into your Chase account, go to the "Contact Us" section, and send a message. A representative typically responds within one business day.

Key Takeaways

  • The main Chase credit card customer service number is 1-800-935-9935, found on your card and in your online account.
  • Fraud and unauthorized charges have a separate line: 1-800-955-9060, which operates 24 hours a day.
  • Early weekday mornings usually have shorter wait times than evenings or weekends.
  • For non-urgent questions, the find message center in your Chase account often gets a response within one business day.
  • Chase also offers phone support through the Chase Mobile app if you are logged in to your account.

Fraud and dispute phone numbers

If you see an unauthorized charge or suspect fraud, call 1-800-955-9060. This dedicated fraud line is staffed 24 hours a day, seven days a week, and does not route through the general customer service queue. Have your card number and the disputed transaction details ready when you call.

Chase will typically freeze your card when ready while investigating. You will not be responsible for unauthorized charges, but the investigation itself usually takes 10 business days. During that time, you can request a temporary card or use your account online to make payments.

For billing disputes — charges you recognize but believe are wrong — the general customer service line handles these. You can also dispute online through your account under the "Transactions" or "Activity" section, which creates a paper trail and starts the investigation without a phone call.

Numbers for specific card types and situations

Some Chase cards have dedicated lines. The Chase Sapphire Preferred and Reserve cards have a concierge service line at 1-800-1-SAPPHIRE (1-800-172-7374), available to cardholders 24/7. This line handles travel bookings, restaurant reservations, and other concierge requests — not billing questions, which still go through the main line.

Business credit card holders should call 1-800-955-9060 for fraud or 1-800-869-3557 for general business card support. These lines are separate from consumer card support and may have different hours.

If you are calling about a card you no longer have or a closed account, you may be routed to a different department. Have your former account number ready, as the system may not find you by Social Security number alone.

What to have ready before you call

Chase's automated system asks for your account number or Social Security number to pull up your account. If you have your card handy, read the account number from the front. If you do not have the card, your Social Security number works, though the system may ask follow-up questions to verify your identity.

For fraud or disputes, have the transaction date, merchant name, and amount ready. For account changes or questions about rewards, have your recent statement or the specific question written down so you do not forget it during the call.

If you are calling about a pending process or a card you recently opened, have the process reference number if you have it. This speeds up the search for your account in their system.

International calling and TTY options

If you are outside the United States, you can still reach Chase, but you will be charged international rates by your phone provider. The main number 1-800-935-9935 works from Canada and some other countries, but call your phone provider first to confirm rates.

Chase offers TTY service for deaf and hard-of-hearing customers at 1-800-935-9935. Press the TTY option when the automated system prompts you, or call your relay service and ask them to connect you to that number.

When phone support is not the fastest option

For straightforward questions — checking your balance, making a payment, viewing recent transactions — the Chase Mobile app or website is faster than calling. You can also set up automatic payments online without speaking to anyone.

If you need to dispute a charge or report fraud, phone is usually faster than email because the representative can start the investigation when ready. However, if you are in a time zone where Chase's hours do not match yours, the find message center lets you send a message at any time and receive a response during business hours.

For rewards questions or to learn about your card's benefits, the benefits guide that came with your card or the "Benefits" section of your online account often answers the question without a call.

What to expect during the call

After you enter your account number or Social Security number, the automated system may ask follow-up security questions — your address, date of birth, or the amount of your last payment. Answer these to verify your identity, then you will be routed to a representative or to the specific department you need.

Representatives can see your account history, recent payments, and any notes from previous calls. If you have called before about the same issue, mention that so they do not repeat the same questions. Most calls are recorded for quality and training purposes.

If you are transferred between departments, you may have to verify your identity again. This is normal and a security measure. The wait between transfer and the next representative picking up is usually under two minutes.

Frequently Asked Questions

Can I reach Chase customer service outside of business hours?

Yes, but it depends on what you need. The fraud line (1-800-955-9060) is open 24/7. The main customer service line (1-800-935-9935) is open Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday and Sunday, 9 a.m. to 6 p.m. Eastern time. For non-urgent issues outside these hours, use the find message center in your account.

What if I am calling from outside the United States?

International calls to 1-800 numbers may not work from all countries. Check with your phone provider first. If the 1-800 number does not work, look for a country-specific number on the back of your card or on Chase's website. You will be charged international rates by your phone provider.

Do I have to call to report a lost or stolen card?

Calling is the fastest way to freeze your card when ready, but you can also report it through the Chase Mobile app or website if you are logged in. The app has a "Lock Card" feature that stops new charges right away while you decide whether to call for a replacement.

How long does a fraud investigation take?

Chase typically completes fraud investigations within 10 business days. You will not be liable for unauthorized charges during the investigation. The representative will tell you when to expect a decision and how you will be notified — usually by phone or through your account.

What if I cannot reach anyone after waiting on hold?

If the wait is very long, hang up and try again at a different time — early morning on a weekday usually has shorter waits. You can also use the find message center in your account or the Chase Mobile app to send a message, which guarantees a response within one business day.