How to pay your Chase credit card
You can pay your Chase credit card through Chase's website, mobile app, phone, or mail. The fastest route is the Chase website or app — you can make a payment in under two minutes and see it post within one business day. If you pay by phone, you'll speak to a representative who can walk you through the process. Mail takes seven to ten business days to arrive, so use it only if you have no other option.
Chase does not charge a fee for any of these payment methods. The only cost comes if you pay late — Chase will report the late payment to credit bureaus if you miss your due date, and you'll owe a late fee (usually $25 to $40 for the first late payment) plus interest on your balance.
Key Takeaways
- Chase's website and mobile app are the fastest ways to pay, with payments posting within one business day at no cost.
- You can set up automatic payments through Chase so your bill pays itself on a date you choose each month.
- Paying by phone takes about ten minutes and requires your account number and a bank account or debit card to pull the payment from.
- Mailing a check takes seven to ten business days, so send it at least two weeks before your due date to avoid a late fee.
- Chase's late fees start at $25 and late payments stay on your credit report for seven years.
Paying through the Chase website or app
Log into your Chase account at chase.com or open the Chase mobile app. On the account page, you'll see your current balance and due date. Click "Make a Payment" or the payment icon (usually a dollar sign or arrow). Chase will ask you to enter the amount you want to pay — you can pay your full balance, the minimum payment, or any amount in between.
Next, select the account you want to pay from: a checking or savings account linked to Chase, or a debit card. If you haven't linked an account yet, Chase will walk you through adding one. Enter the date you want the payment to go out. If you choose today, the payment usually posts within one business day. If you schedule it for a future date, Chase will hold the payment and send it on that day.
Review the details and confirm. Chase will show you a confirmation number — save this or take a screenshot. The payment is now scheduled. You can check the status anytime by logging back in and looking at your recent transactions.
Setting up automatic payments
Automatic payments remove the need to remember your due date. Log into your Chase account, go to "Settings" or "Preferences," and look for "Automatic Payments" or "Autopay." Choose the account or card you want to pay automatically. Chase will ask you to link a bank account or debit card if you haven't already.
Select how much you want to pay each month: your full statement balance, your minimum payment, or a fixed dollar amount. Then choose the day of the month you want the payment to go out — most people pick a day shortly after they get paid. Chase will send the payment automatically on that day every month until you turn it off.
If your balance changes month to month, paying your full statement balance is usually the safest choice — it keeps you from carrying a balance and paying interest. If you choose a fixed dollar amount, make sure it's at least your minimum payment, or you'll still be late.
Paying by phone
Call the number on the back of your Chase credit card. A representative will answer and ask for your account number and the last four digits of your Social Security number to verify your identity. Tell them you want to make a payment.
The representative will confirm your current balance and ask how much you want to pay. They'll then ask for the account you want to pay from — a checking or savings account, or a debit card. You'll need to provide the routing number and account number for a bank account, or the full card number for a debit card. The representative will repeat this information back to you to confirm it's correct.
Finally, they'll ask what date you want the payment to go out. If you choose today, it usually posts within one business day. Confirm all the details and the representative will give you a confirmation number. Write it down or ask them to email it to you.
Paying by mail
Write a check for the amount you want to pay. On the memo line, write your Chase account number so Chase knows which account the payment is for. Put the check in an envelope with a stamp.
The address to mail to is on your Chase statement — it's usually a lockbox address, not a Chase branch. Mail the check at least two weeks before your due date. The postal service takes three to five business days to deliver it, and Chase takes another two to three business days to process it once it arrives. If you mail it too close to your due date, it may not post in time and you could be charged a late fee.
Keep a record of the check number and the date you mailed it. If the payment doesn't show up in your account within ten business days, call Chase with this information so they can track it down.
What happens if you miss your due date
If your payment doesn't post by your due date, Chase will charge a late fee — usually $25 for the first late payment, or $35 if you've been late before. You'll also start paying interest on your balance at your card's APR (annual percentage rate) if you're not already.
More importantly, Chase will report the late payment to the three credit bureaus (Equifax, Experian, and TransUnion) once you're 30 days late. This late payment will stay on your credit report for seven years and will lower your credit score. Even one late payment can drop your score by 100 points or more, depending on how good your score was before.
If you realize you're going to be late, call Chase as soon as possible. They may be able to waive the late fee if it's your first one and you have a good payment history. They can't remove the late payment from your credit report once it's reported, but getting the fee waived saves you money.
Paying more than the minimum
Your Chase statement will show a minimum payment — usually 1 to 3 percent of your balance. Paying only the minimum keeps you from being late, but you'll pay a lot of interest over time. If you carry a balance, paying more than the minimum saves you money.
For example, a $5,000 balance at 20% APR with only minimum payments takes about four years to pay off and costs roughly $2,000 in interest. Paying $200 a month instead takes about three years and costs roughly $1,200 in interest. The extra $100 a month saves you $800.
You don't have to pay your full balance if you can't afford it — any amount above the minimum helps. The sooner you pay off the balance, the less interest you'll owe.
Frequently Asked Questions
How long does it take for a Chase payment to post?
Payments made through the Chase website or app usually post within one business day. Payments by phone also post within one business day. Mailed checks take seven to ten business days total — three to five days for mail delivery plus two to three days for Chase to process it.
Can I pay my Chase card with a credit card from another bank?
No. Chase only accepts payments from bank accounts or debit cards. Paying a credit card with another credit card is considered a cash advance, which comes with high fees and interest rates. Use a checking or savings account instead.
What if I pay more than my balance?
If you overpay, Chase will hold the extra money as a credit on your account. You can use it toward your next bill, or call Chase to request a refund. There's no penalty for overpaying.
Can I change or cancel a payment I already scheduled?
Yes, as long as the payment hasn't posted yet. Log into your Chase account, find the scheduled payment, and look for an option to edit or cancel it. If the payment has already posted, you can't cancel it, but you can make a payment in the opposite direction (a refund) if you overpaid.
What should I do if my payment doesn't show up?
Check your Chase account first — sometimes payments take longer than expected. If it's been more than one business day for an online payment or ten business days for a mailed check, call the number on the back of your card with your confirmation number. Chase can track the payment and reapply it if something went wrong.