When and how to reach Chase by phone
Chase operates a customer service line for credit card accounts seven days a week, 24 hours a day. The main number is 1-800-935-9935. When you call, you will hear an automated menu that routes you based on what you need — whether you are calling about an existing account, a new card, fraud, or a payment.
Have your card number or the phone number associated with your account ready before you call. The system will ask for one or the other to pull up your account. If you are calling from a different phone than the one on file, Chase may ask security questions to confirm your identity before discussing your account.
Wait times vary by time of day and day of week. Calling early in the morning on a weekday typically means shorter hold times than calling in the afternoon or on weekends. If you reach an agent and your issue is complex, ask whether a callback option is available — some departments will call you back rather than keeping you on hold.
Key Takeaways
- Chase's main credit card customer service line is 1-800-935-9935, available 24/7, and the automated menu will route you to the right department based on your reason for calling.
- Have your card number or account phone number ready, and be prepared to answer security questions to confirm your identity.
- Common reasons to call include reporting a lost or stolen card, disputing a charge, making a payment, asking about your credit limit, or reporting fraud.
- If you are calling about a specific transaction or dispute, have the transaction date and amount ready so the agent can locate it quickly.
- For non-urgent issues, Chase's website or mobile app often let you handle payments, view statements, and update account information without calling.
What to have ready before you call
Gathering information before you dial saves time on hold and helps the agent resolve your issue faster. At minimum, have your card number or the phone number on your account available. If you are calling about a specific charge or transaction, write down the date, the merchant name, and the amount.
If you are reporting fraud or a lost card, have a list of any unauthorized charges you noticed. If you are calling about a payment, know whether you want to make a one-time payment or set up automatic payments, and have your bank account or another payment method ready. For questions about your credit limit or account terms, you do not need anything special — the agent can pull that information once they access your account.
Reasons to call Chase customer service
You can call Chase for account-related issues that are not easily handled online. Report a lost or stolen card when ready — Chase will cancel it and mail a replacement. Dispute a charge you do not recognize or believe is incorrect; the agent will start a dispute investigation and may issue a temporary credit while they look into it.
Make a payment by phone if you prefer not to use the website or app, though you can also set up automatic payments online. Ask about your credit limit or request an increase — the agent can review your account and sometimes approve a higher limit on the spot. Report fraud if you believe someone has used your card without permission.
You can also call to ask about rewards redemption, request a fee waiver, discuss your statement, or ask about account features. If you are having trouble with the Chase website or app, an agent can walk you through it or handle the task over the phone instead.
What happens during a fraud or dispute call
When you call to report fraud or dispute a charge, the agent will ask you to describe what happened. Be specific: if a charge is fraudulent, explain why you did not make it and whether you recognize the merchant. If a charge is incorrect, explain what the correct amount should have been or why you believe the merchant overcharged you.
The agent will document your dispute and assign it a reference number — write this down. Chase will then investigate, which typically takes 10 business days but can take up to 60 days for complex cases. During the investigation, you may receive a temporary credit to your account while Chase contacts the merchant and reviews the transaction. Once the investigation closes, Chase will send you a letter explaining the outcome.
If the dispute is found in your favor, the credit becomes permanent. If the merchant provides evidence that the charge was valid, Chase will remove the temporary credit and you will owe the amount again. You can dispute the same charge only once, so make sure you have all your information ready before you call.
Alternatives to calling
Chase's website and mobile app handle many tasks without a phone call. You can view your statement, make a payment, set up automatic payments, check your available credit, see your rewards balance, and update your address or phone number. You can also freeze or unfreeze your card temporarily in the app if you lose it or suspect fraud.
For disputes and fraud reports, you can also start the process online through your account under "Disputes and Claims" or "Fraud" — the agent will still investigate, but you avoid the phone call. If you prefer written communication, you can mail a dispute letter to the address on your statement, though calling is usually faster.
Chase also offers a find message feature in the online account portal where you can ask non-urgent questions and receive a response within one to two business days. This works well for questions about rewards, account features, or general account inquiries that do not need an when ready answer.
What to do if you cannot reach an agent
If you are on hold for a very long time, you have a few options. Ask the automated system whether a callback option is available — if it is, provide your number and Chase will call you back when an agent is free, so you do not have to stay on hold. Hang up and try again at a different time; early morning on a weekday usually has shorter waits than evening or weekend calls.
If your issue is urgent — such as reporting a stolen card or fraud — stay on the line or call back when ready. Chase prioritizes these calls. For non-urgent issues, you can also handle many tasks online through your account or send a find message and wait for a response.
If you reach an agent but they cannot resolve your issue, ask to speak with a supervisor or specialist. Some issues, such as disputes involving large amounts or complex transactions, may need to be escalated. The agent can transfer you or schedule a callback with the right department.
Frequently Asked Questions
What is the Chase credit card customer service number?
The main number is 1-800-935-9935. It is available 24 hours a day, seven days a week. The automated menu will route you based on whether you are calling about an existing account, a new card, fraud, or another issue.
How long does a dispute investigation take?
Chase typically investigates disputes within 10 business days but has up to 60 days to complete the investigation. You will receive a letter explaining the outcome once it is finished. Many disputes are resolved faster, especially if the merchant responds quickly with documentation.
Can I report fraud through the app instead of calling?
Yes. You can start a fraud report through your Chase account online or in the app under "Disputes and Claims" or "Fraud." Chase will still investigate the same way, and you will receive updates by mail. Calling is faster if you need when ready action, such as canceling a card.
What if I call and the agent cannot help me?
Ask to speak with a supervisor or a specialist in the department that handles your issue. Some problems, such as large disputes or account restrictions, need to be escalated. The agent can transfer you or arrange a callback from the right team.
Do I have to call to make a payment?
No. You can make a payment through the Chase website, mobile app, or by setting up automatic payments. Calling is an option if you prefer it, but most people handle payments online because it is faster and you can do it anytime.