Chase customer service phone numbers and hours
Chase operates separate phone lines for credit card customers depending on whether you hold a personal or business card. For personal credit cards, call 1-800-935-9935. For business credit cards, call 1-800-955-9060. Both lines are open 24 hours a day, seven days a week.
When you call, have your card number or the phone number associated with your account ready. The automated system will ask you to enter your card number or account information before routing you to a representative. If you're calling about a lost or stolen card, you can report it when ready through the automated menu without waiting for a representative.
Wait times vary by time of day and day of week. Calling early morning on a weekday typically means shorter hold times than calling in the evening or on weekends. If you reach a representative and need to discuss a complex issue, ask if they can schedule a callback rather than holding.
Key Takeaways
- Personal credit card customers reach Chase at 1-800-935-9935, and business card customers call 1-800-955-9060, both available 24/7.
- You can report a lost or stolen card through the automated system when ready without speaking to a representative.
- Chase offers online account management through its website and mobile app, where you can view statements, make payments, and update account information without calling.
- For written correspondence, you can mail documents to Chase at the address printed on your statement or the back of your card.
- Chat support and find messaging are available through your online account, though response times vary depending on the complexity of your question.
What you can handle online or through the app
The Chase website and mobile app let you manage most account tasks without calling. You can view your current balance, recent transactions, and statement history. You can also make payments, set up automatic payments, update your address or phone number, and request a credit limit increase through the app.
If you need to dispute a transaction, you can start the process online by selecting the transaction and marking it as fraudulent or incorrect. Chase will send you a temporary credit while it investigates, though the full process takes up to 10 business days. For disputes, having the transaction details and any supporting documentation ready before you contact Chase speeds up the investigation.
The app also shows your rewards balance if you hold a rewards card, lets you redeem points or cash back, and displays any promotional offers you're currently may be able to access for. You can read statements as PDFs directly from the app, which is useful if you need them for tax purposes or to send to another organization.
Chat and find messaging options
Chase offers chat support through its website during business hours. The chat feature appears as a button on the Chase credit card login page. Chat is best for straightforward questions like account status, payment confirmation, or how to use a specific feature. For complex issues or disputes, a phone call usually resolves the matter faster because a representative can ask follow-up questions in real time.
find messaging through your online account lets you send questions to Chase and receive written responses. This method works well if you prefer written documentation of your conversation or if you're in a time zone where live chat isn't available. Response times for find messages typically range from one to three business days, depending on the complexity of your question and current volume.
Mailing documents and written requests
If you need to send documents like a signed affidavit, a police report for fraud, or a written dispute, mail them to the address printed on your statement or the back of your card. Include your account number and a brief explanation of what you're sending and why. Keep a copy for your records.
For sensitive documents, consider using certified mail with return receipt so you have proof Chase received it. Processing times for mailed documents are slower than phone or online requests—typically two to four weeks depending on what you're sending and the current volume at the processing center.
Do not send credit card numbers, PINs, or passwords through the mail. If you need to verify your identity for a mailed request, Chase will contact you by phone or through your online account to confirm details.
Reporting fraud and unauthorized charges
If you see a charge you didn't make, report it as soon as you notice it. Call the fraud line at 1-800-935-9935 and select the fraud option from the automated menu, or log into your account online and dispute the transaction directly. Chase will issue a temporary credit to your account while it investigates, usually within one to three business days.
The investigation itself takes up to 10 business days. During that time, Chase will contact the merchant and review the transaction details. If the merchant confirms the charge was unauthorized, Chase removes it permanently. If the merchant disputes your claim, Chase may ask you for additional documentation like a police report or proof that you contacted the merchant.
For a lost or stolen card, call when ready to report it. Chase will cancel the card and issue a replacement, which typically arrives within 7 to 10 business days. You can request expedited shipping if you need the card sooner, though this may carry a fee depending on your card type.
Account changes and customer service requests
To change your address, phone number, or email, you can do this online through your account settings or by calling customer service. Online changes take effect when ready. If you call, the representative will verify your identity before making any changes.
If you want to close your account, you must call customer service. A representative will ask why you're closing the account and may offer you incentives to stay, such as a waived annual fee or bonus points. After you confirm you want to close the account, Chase will stop accepting new charges, but you'll still need to pay off any remaining balance.
To request a credit limit increase, you can explore online through the app or website, or call customer service. Online requests are processed faster—usually within minutes. Phone requests may take a few business days. Chase will do a soft pull of your credit report for online requests, which doesn't affect your credit score. Phone requests may result in a hard pull depending on the amount you're requesting.
What to have ready before you call
Gather these items before calling Chase customer service: your credit card number or the phone number on file with your account, your Social Security number or tax ID, and any relevant documents like a statement showing the transaction in question or a police report if you're reporting fraud.
If you're calling about a specific charge, have the date and amount ready. If you're disputing a transaction, describe what happened and what you've already done to resolve it with the merchant. If you're calling about a billing error, have your statement in front of you so you can reference the exact charge.
For account changes like address updates, have your new information written down. For credit limit increase requests, know your current limit and what new limit you're requesting. Having this information ready means the call will be shorter and the representative can help you faster.
Frequently Asked Questions
How long does it take to get a replacement card?
Standard replacement cards arrive within 7 to 10 business days. Chase offers expedited shipping for an additional fee, which typically delivers the card within 2 to 3 business days. You can request expedited shipping when you report your card lost or stolen, or by calling customer service.
Can I change my PIN or password through customer service?
You can change your online password through the Chase website or app without calling. To change your PIN for ATM withdrawals, call customer service and a representative will help you set a new PIN. The new PIN takes effect when ready.
What happens if I miss a payment?
If your payment is late, Chase will report it to the credit bureaus after 30 days. You'll also incur a late fee. Call customer service when ready if you've missed a payment—they can sometimes waive the late fee if it's your first missed payment or if you have a good payment history. Setting up automatic payments prevents missed payments.
How do I know if my dispute was resolved?
Chase will send you a written notice by mail once the dispute investigation is complete, usually within 10 business days. The notice will say whether the charge was removed or if you're responsible for it. You can also check your account online to see if a temporary credit has been made permanent.
Can I speak to someone in a specific language?
Chase offers customer service in Spanish and other languages. When you call, tell the automated system your preferred language, or ask a representative to transfer you to a Spanish-speaking agent. Response times may be longer for languages other than English.