How to Pay Your Chase Credit Card by Phone

Call Chase's automated payment line to pay your credit card over the phone using your bank account or debit card

Chase operates a phone payment system that lets you make a one-time payment to your credit card account without logging into their website or app. You call a dedicated number, enter your card number and payment amount, and the payment processes immediately or on a date you choose. The system accepts payments from a checking or savings account (ACH transfer) or from a debit card.

The phone number for Chase credit card payments is 1-800-935-9935. This line is available 24 hours a day, 7 days a week. You will need your Chase credit card number, your bank account or debit card information, and the amount you want to pay. The call takes about 5 to 10 minutes from start to finish.

Key Takeaways

• Call 1-800-935-9935 to pay your Chase credit card by phone using an automated system that works around the clock.
• You can pay immediately or schedule a payment for a future date, but same-day payments must be made before 8 p.m. ET on a business day.
• Payments from a bank account (ACH) typically post within one business day; debit card payments post the same day.
• The automated system does not charge a fee for phone payments, but you should confirm your payment was received by checking your account online or by mail.

What information you need before you call

Gather these details before dialing so the call moves quickly. You will need your Chase credit card number (the 16-digit number on the front of your card), the amount you want to pay, and either your bank account number and routing number (if paying from checking or savings) or your debit card number (if paying from a debit card).

If you are paying from a bank account, have your routing number ready. This is a nine-digit code that identifies your bank. You can find it on the bottom left of a check, or call your bank to ask. If you are paying from a debit card, you will only need the card number and expiration date.

How the automated payment system works

When you call 1-800-935-9935, an automated voice system answers. It will ask you to enter your credit card number using your phone keypad, then confirm the last four digits of the card back to you. Next, it asks whether you want to pay immediately or on a specific date.

If you choose to pay immediately, the system asks for your payment method (bank account or debit card) and the amount. If you are using a bank account, you enter your routing number and account number. If you are using a debit card, you enter the card number and expiration date. The system confirms the amount and tells you a confirmation number before the call ends.

If you want to schedule a payment for a future date, the system asks you to enter that date before asking for payment method and amount. Scheduled payments must be at least one business day in the future. You can schedule a payment up to 30 days ahead.

When your payment posts and what to expect

The timing depends on your payment method. If you pay from a bank account, the payment is an ACH transfer that typically posts within one business day. If you pay from a debit card, the payment posts the same day you make it, usually within a few hours.

After you hang up, you will receive a confirmation number. Write this down or take a screenshot. Check your Chase account online or wait for your next statement to confirm the payment was received and applied to your balance. If you do not see the payment within the timeframe above, call Chase customer service at the number on the back of your card to investigate.

Same-day payments and timing rules

Chase allows same-day payments only if you call before 8 p.m. ET on a business day (Monday through Friday, excluding federal holidays). If you call after 8 p.m. ET or on a weekend or holiday, the system will schedule your payment for the next business day.

Debit card payments process faster than bank account payments. If you need your payment to post the same day and it is before 8 p.m. ET on a business day, use a debit card rather than a bank account transfer. Bank account payments, even if made early in the day, typically do not post until the next business day because they go through the ACH network.

Fees and costs for phone payments

Chase does not charge a fee for making a payment by phone through their automated system. There is no per-transaction charge, no convenience fee, and no monthly cost. The only cost is whatever your bank charges if you overdraft your account while the payment is processing, though this is rare.

Some credit card companies charge a fee for phone payments, but Chase's automated line is free. If a representative offers to take your payment over the phone (rather than using the automated system), confirm whether a fee applies before proceeding. The automated system at 1-800-935-9935 has no fee.

What to do if the automated system does not work

If the automated system disconnects, does not accept your payment method, or gives an error message, hang up and try again. Technical glitches are rare but do happen. If you try multiple times and the system continues to fail, call Chase customer service at the number on the back of your credit card to speak with a representative who can process the payment manually.

You can also pay online through Chase's website or mobile app, mail a check to the address on your statement, or set up automatic payments from your bank account so you do not have to call each month. If you are having trouble making a payment for any reason, customer service can walk you through your options.

Frequently Asked Questions

Can I pay someone else's Chase credit card by phone?

No. The automated system requires you to enter the credit card number, and the payment is tied to that account. You cannot make a payment on behalf of another person using this method. The cardholder must call themselves or authorize you in writing and provide you with their card number and account details.

What if I want to pay more than my full balance?

The system will accept a payment up to your available credit limit. If you overpay, the excess becomes a credit on your account that you can use for future purchases or request back as a refund. Call customer service if you want to request a refund of an overpayment.

Can I set up recurring payments by phone?

No. The automated phone system only handles one-time payments. To set up automatic monthly payments, use Chase's website, mobile app, or call customer service. Automatic payments are deducted from your bank account on a date you choose each month.

Is it safe to give my bank account number over the phone?

Yes, when you call Chase's official number 1-800-935-9935. This is Chase's legitimate payment line, and the call is encrypted. Never give your bank account number to someone who calls you claiming to be from Chase — always call the number on the back of your card yourself.

What if my payment is late?

If your payment posts after your due date, Chase will report the late payment to credit bureaus and may charge a late fee. The due date is shown on your statement. If you are close to the due date, use a debit card payment (which posts same-day) rather than a bank account payment (which takes one business day).