You've probably been there. It’s late, you’re looking at a weird charge on your mobile app, and you just want a human being to tell you it's going to be okay. Or maybe you're trying to figure out why your mortgage payment hasn't cleared. The big question—what time does chase customer service close—doesn't have a single, tidy answer.
Honestly, it depends entirely on what you're calling about. Banking isn't a 9-to-5 world anymore, but some departments still act like it is.
If you are calling about a personal credit card, the short answer is they never really close. You can call at 3 a.m. on a Tuesday or 4 p.m. on Christmas Day and someone will pick up. But if you’re trying to talk to the department that handles auto loans or home mortgages, you’re going to run into a "we're currently closed" recording if you call after dinner.
The 24/7 Reality for Credit Cards and General Banking
Chase is massive. Because of that scale, they keep their main lines open around the clock. For most people, the general customer service number is the first point of contact.
General Personal Banking: 1-800-935-9935. This line is technically 24/7. You’ll hit an automated system first, but you can usually get to a representative regardless of the hour.
Credit Cards: 1-800-432-3117. This is also a 24/7 operation. Whether it’s a Sapphire Reserve, a Freedom Flex, or a basic Slate card, the "Cardmember Service" team is always there. This makes sense—fraud doesn't take a nap, and neither do people losing their wallets at a bar at midnight.
Business Banking: 1-800-242-7338. Small business owners work weird hours, and Chase seems to respect that. Their business support line stays active 24/7 as well.
When the Doors Actually Close: Loans and Mortgages
This is where people usually get tripped up. While the "bank" is open 24/7 via the app and the main phone lines, specialized departments have much more traditional hours. If you need to discuss the specifics of a loan, you have to play by their schedule.
For Chase Auto Loans, the representatives are typically available:
- Monday through Friday: 8 a.m. to 8 p.m. ET
- Saturday: 9 a.m. to 6 p.m. ET
- Sunday: Closed
Chase Mortgage and Home Equity services follow a nearly identical pattern. You can reach them at 1-800-848-9136 during those same windows (8 a.m. to 8 p.m. ET on weekdays). If you call at 9 p.m. on a Friday, you’re out of luck until Saturday morning.
Dealing with Holidays in 2026
It’s 2026, and the federal holiday schedule still dictates when the "physical" bank takes a break. While the 24/7 phone lines for credit cards stay open, branch-level support and specialized loan departments will be offline for:
- Presidents Day: Monday, Feb 16
- Memorial Day: Monday, May 25
- Juneteenth: Friday, June 19
- Independence Day: Saturday, July 4 (Observed)
- Labor Day: Monday, Sept 7
On these days, don't expect to get through to anyone in the mortgage or auto departments. Even the "24/7" lines might have longer hold times than usual because staffing is leaner.
The Secret to Skipping the Wait
Nobody wants to listen to hold music for twenty minutes. If you’re calling during peak hours—usually mid-day or right after work—you’re going to wait.
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The "sweet spot" for calling is almost always early morning, specifically between 7 a.m. and 9 a.m. ET. If you're on the West Coast, calling at 5 a.m. your time is basically a cheat code for getting a live person instantly.
Another tip? Use the Secure Message Center in the Chase app. It isn't "live" like a chat, but it creates a paper trail. If your issue isn't an emergency, it's often better to send a message and get a notification when they reply rather than sitting on speakerphone while you try to cook dinner.
Beyond the Phone Call: Digital Options
If you’re asking "what time does chase customer service close" because you have a simple task, you might not even need a human.
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- Chase Digital Assistant: Available 24/7 in the mobile app. It’s actually gotten pretty good at things like locked cards or checking travel notices.
- Twitter (X) Support: While they won't handle your account details over a public tweet, @ChaseSupport is often very fast at answering "Is the system down?" or "What are the hours for X?"
- ATM Power: Most people forget that Chase ATMs can do way more than just spit out twenties. You can often clear up simple debit card PIN issues or deposit bulk checks right there, 24/7.
Actionable Steps for Your Next Call
Before you dial any of those numbers, do these three things to make sure the person on the other end can actually help you:
- Have your 16-digit card number or account number ready. The automated system will ask for it before it even thinks about connecting you to a human.
- Check the time zone. Chase operates largely on Eastern Time (ET). If you’re in California and it’s 5 p.m., the mortgage department in Ohio is already heading home.
- Verify your ID first. If you call through the "Contact Us" link inside the Chase Mobile app, you’re often pre-verified. This can shave two or three minutes of "What was your first pet's name?" questions off your call.
If you are dealing with a lost or stolen card, do not wait. Use the 24/7 credit card line or the "Replace Card" feature in the app immediately. For anything else, like loan modifications or complex escrow questions, aim for a Tuesday or Wednesday morning to get the best service.