How To Call Chase When Out Of The Country?

Your card just got declined in a foreign country

It's one of the more stressful travel moments. You're at a hotel checkout desk, a pharmacy, or an ATM — and your Chase card gets declined. Maybe it's a fraud hold. Maybe you forgot to set a travel notice. Either way, you need to call Chase right now, and the clock is ticking.

You pull up the number on the back of your card: 1-800-935-9935.

You dial it. Nothing. A dead tone, a "this number cannot be reached" message, or your carrier just drops it.

That's because toll-free numbers (1-800, 1-888, etc.) are a US-only system. They literally don't work from most international phone networks. Your carrier abroad has no routing agreement with the US toll-free system, so the call simply fails.

This catches a lot of people off guard.

The number you actually need

Chase has a dedicated international line that accepts collect and direct-dial calls from outside the US:

1-713-262-3300

This is a regular Houston-area number, not a toll-free line. It connects to the same Chase customer service team, but because it's a standard number, it works from any phone or calling service worldwide.

A few things worth knowing about this number:

It goes to Chase's general customer service, so you'll still navigate the phone menu
Wait times can be long depending on when you call — early morning Eastern time tends to be fastest
If you're calling about a fraud hold, say "fraud" when prompted and you'll get routed faster
Have your card number, SSN (last four digits), and a recent transaction amount ready — they'll ask

Chase also lists country-specific numbers on their website under "Contact Us > Call from outside the US," but the 713 number works from anywhere.

The problem with calling from overseas

Even once you have the right number, making the call isn't always straightforward.

Roaming: If you have an international roaming plan, you can dial the 713 number directly. But roaming calls to the US typically cost $1–3 per minute depending on your carrier and which country you're in. If Chase puts you on hold for 20 minutes (which happens), you're looking at a $30–60 phone bill for one call.

Local SIM: If you bought a local SIM card abroad, it'll usually let you dial international numbers — but again, you're paying international rates on that local plan. And if you've swapped SIMs, your US number is offline, which can create complications if Chase tries to text you a verification code.

WhatsApp / FaceTime: These only work for calling other app users. You can't call a bank's landline through WhatsApp.

Hotel phone: Some hotels will connect international calls, but the markup is brutal — sometimes $5–10 per minute.

Browser-based calling: the fastest option

The most practical solution for most travelers is making the call from your browser over Wi-Fi.

Services like DialVia let you dial any real phone number — including Chase's 713 number — directly from your laptop or phone browser. No app to install, no SIM card needed. You just need a Wi-Fi connection and a microphone (your laptop's built-in mic works fine).

Here's what that actually looks like:

Open DialVia in your browser and sign up (takes about 30 seconds)
Select United States as the destination
Enter 713-262-3300
Hit call

You're connected to Chase over the internet, and it sounds like a normal phone call on their end. The call shows up as a real inbound call to Chase, so there's no weirdness with their phone system.

The per-minute rate to call a US number is a fraction of what roaming charges would cost, and since you're on Wi-Fi, you're not burning through mobile data either.

Before you travel: a quick checklist

You can avoid a lot of this stress with a few minutes of prep:

Set a travel notice in the Chase app or website before you leave. This doesn't guarantee zero holds, but it reduces them significantly.
Save 1-713-262-3300 in your contacts as "Chase International." You don't want to be googling this in a panic.
Enable Chase push notifications — if a transaction gets flagged, you can sometimes approve it through the app without calling.
Download your bank statements or screenshot recent transactions before you travel. If you need to verify your identity over the phone, having this info handy speeds things up.
Bookmark a browser calling service so you have a backup plan if your phone can't make the call.

The real takeaway

The issue isn't that Chase is hard to reach — they actually have a perfectly functional international number. The issue is that most people don't know about it until they're standing in a foreign country with a declined card and a dead toll-free number.

Save the number. Have a way to call it. And if your phone can't make the call, your browser can.

If you need other bank-specific versions of the same problem, these are worth saving too:

👉 Try DialVia — call from your browser in 30 seconds Or return to the DialVia homepage to learn more.