Lost Chase Credit or Debit Card? Report to These Numbers ASAP [2021]

If you are like me then losing things is pretty much second nature. In fact, I have lost a wallet on three separate continents and though I have gotten the wallet back each time it has been a pretty big headache when it comes to dealing with credit cards. 

In this article, I will tell you everything you need to know about what to do if you lose your Chase credit card or debit card. I’ll cover how to report it as lost, which phone numbers to call, and how long you might have to wait for the replacement card to arrive. I will also cover things like international requests and expired cards.

What to do if you have lost your Chase card?

The very first thing that you should do if you think you have a lost card is to search thoroughly for the card and consider putting your card on a freeze.

If you will need to travel to another location to see if your card is there or call around to different places, then I would suggest calling Chase and asking them to put a freeze on your card.

An account freeze will prevent any charges from going through on your card and will not force you to go through the card replacement process until you are absolutely sure that you have lost your card.

There is nothing worse than calling in for a replacement card that deactivates your “lost” card only to find that “lost” card a few minutes later. By utilizing a freeze, you can avoid that scenario.

Tip: Check out the free app WalletFlo so that you can optimize your credit card spend by seeing the best card to use! You can also track credits, annual fees, and get notifications when you’re eligible for the best cards!

Reporting a lost Chase card (phone numbers)

Once you know that your card is lost the next thing that you need to do is to contact Chase bank to report your lost Chase card.

The phone number that you should call will be different depending on the type of card that you are calling about (debit vs credit or business vs personal). Below are the numbers you can call: 

Credit cards

  • 1-800-432-3117, 24 hours per day, 7 days a week.

Business banking

  •  1-800-935-9935, 24 hours per day, 7 days a week.

Personal banking cards such as debit cards

  • 1-800-935-9935, 24 hours per day, 7 days a week.

Phone numbers via Chase.

Before you ever give Chase bank a phone call you should pull up your recent bank or credit card statements so that you can monitor them for any unauthorized charges (don’t forget to check your pending charges). 

If you see any transactions that you do not to recognize, then you should bring those to the attention of an agent whenever you make your phone call. They should then be able to guide you through the dispute process so that you are not liable for those charges.  

Once you call, be ready to answer some basic security questions in case they need to verify your identity.

Tip: Consider storing the contact numbers found on the back of your card in a place like your notes that is accessible on your phone or computer. This might not help you this go round but in the future it will be very convenient to have those phone numbers already stored. 

Requesting a replacement card online

It is very simple to request a replacement card online. Simply go to Chase.com and log-in to your account and then pull up your different credit cards.

Then, select the credit card that you need to replace and click on the “Things you can do” section. You will then see a drop-down menu which will have a tab that states “Replace a lost or damaged card.” Simply click on that to proceed with the replacement. 

Menu for lost Chase card replacement.
Replacing a lost or damaged card is easy to do online.

Once you proceed make sure that the card that you need to replace is the card selected on the left. (You should be able to select any of your debit or credit cards in this field.)

And then you will need to select the reason that you need replacement. There are basically three different reasons why you might need a replacement card. 

These include the following reasons:

  • Card is damaged
  • Card is lost
  • Did not receive card
Chase card replacement menu.
Select a reason why your card needs to be replaced.

After you select your reason then you will be given a chance to confirm all of the details and finalize the request for the replacement card

If you select the card is damaged option then you can get a replacement card with the exact same information (account numbers, etc.). This is actually a way to get the Poor man’s authorized user for the Sapphire Reserve that I talked about before.

This is also a good option to go with if you know that your card is just sitting somewhere in your house and you can’t find it. If you are pretty certain that you will at some point find the card then you don’t necessarily need a card with a new number.

Tip: If you’re replacing a Chase debit card, consider going with a custom designed debit card to get special Disney discounts and perks. 

Getting the replacement card expedited

Once you have identified that you have a lost credit card and you have contacted Chase, then it is only a matter of waiting until the replacement part comes in. Chase states that you should normally expect 3 to 5 business days for your card to come in. 

You might be wondering if Chase allows you to receive a replacement card with expedited mail. And the answer is just that it depends.

Replacement card expedited

There are some reports out there of Chase taking several business days to send in a replacement card if expedited shipping is not requested.

And then there are some cases where expedited shipping is requested but it still takes a couple of business days to get the card out.

And finally there are some cases where the card has been overnighted although these seem to be rare.

So it seems that there is no guarantee for how long it might take for your replacement card to arrive, when it comes to expedited shipping. My advice would be to stress the importance of your replacement card to an agent over the phone and try to convince them as best as possible to overnight your card. 

Their ability to overnight your card could also depend on the type of product that you have.

For example, if you are dealing with a premium card like the Chase Sapphire Reserve or possibly even the Chase Sapphire Preferred then you probably have better odds of getting your card expedited in a quicker fashion.

Meanwhile, if you are calling about the card like the Chase Freedom card or random co-branded cards like the Southwest card then you might not have as much success. It might not actually work out that way but that is just my hunch. 

Chase lost card sent abroad to international destinations?

You might be wondering if Chase will send a replacement card to an international destination. Well, you are in luck because Chase will definitely send a replacement card to foreign destinations and even will send it in expedited fashion. 

So if you are traveling abroad and all of a sudden you realize that you are at a hotel and you don’t have your Chase card you can contact Chase and ask them about sending it to directly to your hotel (assuming there is enough time). 

The trick with getting a replacement card shipped to an international destination is that you might have to go through some extra security measures.

Because they are dealing with a foreign country, there is a higher potential for fraud so you will likely have to verify your identity.

This could require you to answer a few questions or might even require you to fax something in. Try to be as patient as possible and I appreciate that there are extra security measures to prevent fraud against yourself. 

You should not have to pay anything for the international delivery service. Also, this service should also work for your authorized users as well. This is in contrast to some other issuers that will require you to pay a fee for the shipping. So props to Chase for allowing for free deliveries. 

Keep in mind that you might have to put travel notifications back on your card once it is sent out. Chase should obviously already know that you are in that location but sometimes computers can fall short. You can read more about how to do that here.

Expired cards

If your credit card is about to expire, Chase will automatically send you a new card during the month your current card will expire. If you haven’t received a new one, please call Chase using the number on the back of your card.

Final word

Losing your Chase cards can be a very stressful experience but it is a pretty simple process to get them replaced. The key is to actively monitor your accounts after you have lost your card so that you can minimize the damage done by any potential unauthorized charges.


  1. Hello my name is Cole Rengolbai and I have account with Chase bank and I donthave my card n I have account with your Chase bank Lampasas Texas and I want to apply a new card thank you

  2. I have lost my senior national park card for seniors. I have the card number. Let me know what other info yo need soI can get it replaced. Thank you pass number is [REMOVED]

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