Chase customer service number: how to reach a real person

Call-tested by OsmO on

  • Difficulty 82/100 · Hard
  • 7 menus · 15 options
  • 6 steps
  • Asks account no. 2×

Don’t want to wait on hold? OsmO can call Chase, press the keys and wait for you.

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The full Chase phone menu

Every option we heard when we called on Oct 28, 2026. The first menu asks for your Social Security or tax ID number. Press 1 instead.

Fastest pathHold queue for a personAsks for account detailsRecorded info only
  • 1Enter your card or account number insteadIf you type nothing, it repeats the request a few times, then reads two options.2 options
    • 8Report a debit card lost, stolen or damaged, or unrecognized charges2 options
      • 1Report a debit card lost, stolen or damaged
      • 2Report unrecognized charges or file a claimIt asks for your card, account number or user ID. Type nothing: after about 45 seconds it offers a specialist.1 option
        • 0Connect to a customer service specialist“Okay. I’m connecting you with a customer service specialist.”Hold queue for a person
    • 2Other options3 options
      • 1Credit card, loan or line information and payment4 options
        • 1Credit card information and payments2 options
          • 1Account informationAsks for your full 16-digit credit card number.Asks for account details
          • 2Make a paymentMoves you to Chase card services’ pay-by-phone system.Recorded info only
        • 2Home equity loan and line of credit information and payments
        • 3Auto, boat and RV loan information and payments
        • 4Mortgage information and paymentsMoves you to Chase Home Lending (1-800-848-9136).Recorded info only
      • 2Checking, savings, CD or IRA accountGoes back to the lost card / other options menu.
      • 0Speak to a customer service specialistAsks for your debit card, account number or user ID before it connects you.Asks for account details

Skip the menu: let OsmO call Chase for you

OsmO is an AI phone assistant app. Tell it what you need and it makes the call: it listens to the Chase menu, presses the keys, waits on hold, and rings you the moment a person picks up.

A customer service call on hold for 40 minutes while OsmO waits
Make a call for me
  1. YouCall Chase, get through the menu and wait on hold. Transfer me when a person answers.
  2. OsmOOn it. I’ll press through the menu and hold the line.
  3. A person answeredOsmO rings you and hands over the call, or tells you the answer with a transcript.
Illustration of an OsmO outbound call.
  • Navigates phone menus. Listens to every option and presses the right keys for you.
  • Waits on hold. You get on with your day; OsmO holds the line.
  • Hands you the call. When a person answers, tap to take over, or let OsmO finish and send you a summary.
  • Cuts the noise. OsmO also screens spam and robocalls, so the calls that reach you are the ones that matter.
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Chase customer service FAQ

What is Chase’s customer service number?

1-800-935-9935. We took it from chase.com and called it ourselves on Oct 28, 2026.

What are Chase’s customer service hours?

Chase does not list phone hours on its customer service page. We reached the specialist line on a weekday morning (Wednesday, Oct 28, 2026, about 8:30am Eastern).

Is there a Chase number that’s open 24/7?

Chase does not say on chase.com. The automated menu answered every time we called on a weekday morning. For a lost or stolen card, the same number has a lost card option (press 1, then 8).

How do I skip the automated menu?

Call 1-800-935-9935, then press 1, then wait about 40 s, then press 8, then press 2, then wait about 45 s, then press 0. That reached the queue for a person in our test.

How long is the wait to talk to someone?

About 3 min until “connecting you with a specialist” in our test on Oct 28, 2026. We did not stay on hold after that, so the hold time for a person is not measured.

How hard is the Chase phone menu?

We rate it 82/100 (Hard). It took 6 steps to reach a person, across 7 menus with 15 options. Our score adds 10 for every key or spoken step on the way, 10 for every forced wait, 5 per minute until a person and 1 for every menu.

Can someone call Chase for me?

Yes. OsmO, an AI phone assistant app, can call Chase, press the keys and wait on hold for you.

Do I need my account number to talk to someone at Chase?

The menu asks for it several times, but in our test you could reach a specialist without typing it: press 1, wait, press 8, then 2, wait, then press 0. Have your card or account number ready, because the specialist will need to confirm who you are.

Why does the Chase menu ask for my Social Security number?

It is the first way Chase offers to identify you. You can skip it by pressing 1 to use a card or account number instead. Never give your Social Security number to anyone who calls you claiming to be Chase.

OsmO is not affiliated with Chase. The number comes from Chase’s own website. Menus change; ours was tested on Oct 28, 2026.

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