Also searched as JPMorgan Chase, Chase Sapphire, Chase Freedom.
Credit card customer service
1-800-432-3117Hours are not listed on chase.com.
Checked Nov 15, 2026 on chase.com
Skip the hold. Haggle calls Chase for you.
It says it is an AI assistant, waits on hold, and asks for a late fee refund or a lower rate. You join only to verify it is you, and you pay only if Chase says yes.
These are the numbers Chase publishes on its own site. Use the one on the back of your card if it differs.
| What it is for | Number | Hours |
|---|---|---|
| Credit card customer service | 1-800-432-3117 | Not listed on the official page |
| Personal banking customer service | 1-800-935-9935 | Not listed on the official page |
Checked Nov 15, 2026 on chase.com
How to reach a person
On the Chase Sapphire line, the first prompt asks for your full 16-digit card number. (GetHuman)
Your card and statement
The card number, your balance, your APR and any late fee, all printed on your latest statement.
A way to verify it is you
Banks usually check details such as your billing ZIP code or date of birth. Never share a full card number or password with anyone who calls you.
One clear ask
A refund of a named fee, or a specific lower rate. Write down any terms the agent offers and read them back.
Fill in the brackets with what is true for you. Do not add a reason you do not have: a short, honest ask works.
If you missed a payment
Hi, I'm calling about my Chase card ending in [last 4 digits].
I missed the payment due on [date] and paid it on [date].
I've been a customer for [years] and I'd like to ask for the late fee to be refunded as a courtesy.
If they say no, ask once whether a supervisor or the retention team can look at it.
If your rate is too high
Hi, I'm calling about the interest rate on my Chase card ending in [last 4 digits].
My APR is [current APR]. I'd like to keep using this card, and I'm asking whether you can lower my rate.
Does a lower rate need a hard credit check?
If they offer a cut, ask for the new APR and when it starts, and read it back before you hang up.
Why it is worth asking: 92% (LendingTree survey, via FOX 5 NY) of people who asked got a late fee waived, and 84% (LendingTree survey, via KKTV) of those who asked for a lower rate got one.
Chase's official site lists 1-800-432-3117 (Credit card customer service). (chase.com)
Chase's contact page does not list hours for this line. The number on the back of your card is the one Chase expects you to use.
On the Chase Sapphire line, the first prompt asks for your full 16-digit card number. (GetHuman) Have your card in hand before you call. Haggle can wait on hold for you and bring you in when a person picks up.
Often, yes. Across issuers, 92% (LendingTree survey, via FOX 5 NY) of people who asked to have a late fee waived got it. For Chase, we estimate 88% (Estimate) of requests are granted.
Yes, and it usually works. 84% (LendingTree survey, via KKTV) of cardholders who asked for a lower rate got one, and the average cut was 6.3 pts (LendingTree survey, via KKTV).
No. Haggle is not affiliated with Chase. We list Chase's own published numbers and link to the page we read them from.
More on Chase: late fees, refunds and rate cuts at Chase, how to ask Chase for a lower APR.
Read how to get a late fee back and how to ask for a lower APR, or see what a lower rate would save you. Other issuers: Amazon, American Express, Apple Card, Bank of America, Barclays, Best Buy, Capital One, Citi, Costco, Discover, Kohl's, Lowe's, Macy's, Navy Federal Credit Union, PayPal, PNC, Synchrony, Target, U.S. Bank.
Haggle is not affiliated with Chase. The numbers above are Chase's own, read from its site on the date shown.
