How to pay your Chase credit card
You can pay your Chase credit card through Chase's website, mobile app, by phone, or by mail. The fastest way is online or through the app — payments post the same business day if you pay before the cutoff time, usually around 8 p.m. Eastern. By phone, you can speak to a representative or use the automated system. By mail, allow 7 to 10 business days for the payment to arrive and post.
Chase does not charge a fee to pay your bill through any of these methods. If you use a third-party payment service or wire transfer, you may be charged a fee by that service, not by Chase.
Key Takeaways
- Online and mobile app payments post the same business day if submitted before the evening cutoff, while mailed payments take 7 to 10 business days.
- You can set up automatic payments to your minimum balance, statement balance, or a fixed amount on a date you choose.
- Payments made by phone or mail may take longer to post, so plan ahead if your due date is approaching.
- Chase does not charge a fee for payments made directly through their website, app, or phone line.
Paying online or through the Chase mobile app
Log into your Chase account on the website or open the Chase Mobile app, then select your credit card and choose "Pay Now" or "Make a Payment." Enter the amount you want to pay and confirm the payment date. If you pay before the cutoff time on a business day, the payment posts the same day. If you pay after the cutoff or on a weekend, it posts the next business day.
You can pay from a checking or savings account linked to your Chase profile, or from an account at another bank. You will need the routing number and account number for the account you are paying from. Chase stores this information securely so you do not have to enter it every time.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. In your Chase account, go to "Payments" and select "Autopay" or "Automatic Payments." Choose the amount you want to pay each month — your minimum payment, your full statement balance, or a fixed dollar amount — and the date the payment should post each month.
If you choose to pay your full statement balance automatically, Chase will calculate that amount each month based on your latest statement. This means you will pay off your entire balance and avoid interest charges, as long as you do not add new charges after the payment posts. You can change or cancel automatic payments at any time through your account.
Paying by phone
Call the number on the back of your Chase credit card to reach Chase's payment line. You can speak to a representative or use the automated phone system to make a one-time payment. Have your account number and the bank account you are paying from ready. Payments made by phone post within one to two business days.
If you call during business hours, a representative can answer questions about your account, your due date, or your balance. The automated system is available 24 hours a day and processes payments without waiting for a representative.
Paying by mail
Write a check or money order payable to Chase and mail it to the address printed on your statement. Include your account number on the check so Chase can match the payment to your account. Mail payments typically take 7 to 10 business days to arrive and post, so send your payment at least two weeks before your due date if you want to avoid a late fee.
Do not mail cash. If your payment does not arrive or does not post within the expected timeframe, contact Chase to confirm receipt. Keep a copy of your check or a photo of the front and back for your records.
What happens if you miss a payment
If your payment does not post by the due date shown on your statement, Chase will charge a late fee. The fee amount depends on your card and your account history, but typically ranges from $25 to $40 for the first late payment. After 30 days past due, the late payment appears on your credit report and may affect your credit score.
If you realize you will miss a due date, contact Chase before the date passes. In some cases, Chase may waive a single late fee if you have a good payment history, or they may work with you on a payment plan. The sooner you call, the more options you may have.
Understanding your statement and due date
Your statement shows your opening balance, all charges and credits during the billing period, your minimum payment due, your full balance, and your due date. The due date is the last day to pay without a late fee. Your statement arrives about 21 days before the due date, giving you time to review charges and arrange payment.
Interest charges begin accruing on new purchases the day after your statement closes if you carry a balance. Paying your full statement balance by the due date stops interest from building on those charges. If you pay only the minimum, interest continues to accrue on the remaining balance.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
No. Chase does not accept credit card payments for credit card bills. You must pay from a checking or savings account, by check, or by money order. Paying a credit card with another credit card through a third-party service counts as a cash advance and incurs fees and interest.
What time does Chase stop accepting online payments?
Chase typically stops accepting online payments around 8 p.m. Eastern time on business days. Payments submitted after that time post the next business day. On weekends and holidays, all payments post on the next business day. Check your account for the exact cutoff time for your card.
How do I know if my payment posted?
Log into your Chase account and check your available credit or current balance. A posted payment reduces your balance immediately. If you paid online or through the app before the cutoff, it should post the same day. By phone or mail, allow one to two business days or 7 to 10 business days respectively.
Can I get a refund if I overpay my credit card?
If you pay more than your balance, the extra amount becomes a credit on your account. You can use this credit toward future charges, or you can request a refund by calling Chase. Refunds are typically mailed as a check within 7 to 10 business days.
What should I do if I think my payment was lost in the mail?
Contact Chase immediately with the date you mailed the payment and the amount. Chase can search for the payment and confirm whether it arrived. If it did not post within the expected timeframe, ask Chase to investigate. Keep a copy of your check or money order receipt as proof of payment.