Log into Chase online or through the mobile app to pay your bill
Go to chase.com and click "Sign In" in the top right corner. Enter your username or the email address tied to your account, then your password. If you have multiple Chase accounts, select the credit card account you want to pay. Once logged in, look for "Pay" or "Make a Payment" — the exact wording depends on which version of Chase's website you're using, but it's always in the main menu or account dashboard.
If you prefer your phone, download the Chase Mobile app from your device's app store, log in the same way, and tap the account you want to pay. The payment option is usually on the account details screen. Both the website and app let you pay immediately or schedule a payment for a future date.
You can also call Chase customer service at the number on the back of your card to make a payment over the phone. A representative will walk you through the process and can answer questions about your account balance or due date.
Key Takeaways
- Visit chase.com or use the Chase Mobile app to log in with your username and password, then select your credit card account.
- Once logged in, look for a "Pay" or "Make a Payment" button on your account dashboard to send money immediately or on a scheduled date.
- You can pay by bank transfer from a linked account, debit card, or wire transfer — the payment method options appear during checkout.
- Payments typically post within one business day, though weekend or holiday payments may take longer to show on your account.
- If you forget your password, use the "Forgot Username or Password" link on the Chase sign-in page to reset it by email or security questions.
What payment methods Chase accepts
Chase lets you pay from a bank account you've already linked to your profile, or you can add a new one during payment. The most common method is an electronic transfer from your checking or savings account, which is free and usually posts the next business day.
You can also pay with a debit card, though Chase may charge a fee for this option — check the payment screen before you confirm. Wire transfers are available but uncommon for credit card payments because they cost more and take longer than a bank transfer.
Chase does not accept payments by credit card, check, or cash through the online portal. If you need to mail a check, the address is on your monthly statement or you can find it by calling the number on the back of your card.
Setting up automatic payments to avoid missing your due date
Log into your Chase account and go to the payment or billing section. Look for an option called "Autopay" or "Automatic Payments." You'll choose how much to pay each month — usually the full statement balance, the minimum payment, or a fixed dollar amount you set — and which day of the month the payment should go out.
Automatic payments pull money from a linked bank account on the date you choose. If that date falls on a weekend or holiday, Chase typically processes it on the next business day. You can change or cancel automatic payments anytime by logging back into your account.
Setting up autopay is one of the easiest ways to make sure you never miss a due date, which protects your credit score and avoids late fees. Even if you set up autopay for the minimum payment, you can still log in anytime and make an extra payment toward your balance.
How long it takes for your payment to post
Payments made before 8 p.m. Eastern Time on a business day usually post to your account the next business day. Payments submitted after 8 p.m. or on weekends and holidays are processed the next business day, which means they may not show up for two calendar days.
Even though your payment posts quickly, it can take a few extra days for the money to leave your bank account. This is normal — your bank and Chase coordinate the transfer behind the scenes, and the timing depends on both institutions' processing schedules.
If you're cutting it close to your due date, make your payment at least two business days early to be safe. If your due date falls on a weekend, Chase typically extends it to the next business day, but don't rely on this — pay on time according to the date shown on your statement.
Troubleshooting a forgotten password or locked account
If you can't remember your password, click "Forgot Username or Password" on the Chase sign-in page. Chase will ask you to verify your identity using your Social Security number and other personal details, then send a password reset link to your email address or walk you through security questions.
If your account is locked after too many failed login attempts, wait 24 hours before trying again. You can also call the number on the back of your card to unlock it immediately without waiting.
If you've never set up online access to your Chase account, you'll need to enroll first. Go to chase.com, click "Enroll" or "New User," and follow the steps to create a username and password. You'll need your card number, Social Security number, and other identifying information.
What to do if your payment doesn't go through
If you see an error message during payment, the most common reasons are an incorrect bank account number, insufficient funds in your linked account, or a mismatch between the name on your bank account and the name on your Chase card. Go back and double-check the account number and routing number you entered.
If the payment was rejected because of insufficient funds, add money to your bank account and try again. Chase will not charge you a fee for a failed payment attempt, but your bank might charge an overdraft fee if you don't have enough money.
If you've tried multiple times and the payment still won't go through, call Chase at the number on your card. A representative can see what's blocking the payment and help you find another way to pay, such as using a different bank account or paying by debit card.
Paying your bill when you don't have online access
If you can't or don't want to use the website or app, you have other options. Call the automated payment line at the number on the back of your card — you'll enter your account information and payment amount using your phone keypad. This works 24 hours a day, seven days a week.
You can also mail a check to the address on your statement. Write your account number on the check and mail it to the payment address listed on your bill. Mail payments typically take 7 to 10 days to arrive and post, so send them well before your due date.
If you're in a Chase branch, you can ask a teller to help you make a payment in person. Bring your card or account number and the amount you want to pay. In-person payments usually post the same day or the next business day.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
No, Chase does not accept credit card payments through their website, app, or phone line. You can only pay with a bank account transfer, debit card, or by mailing a check. Paying a credit card with another credit card usually counts as a cash advance anyway, which comes with higher interest rates and fees.
What time does Chase process payments?
Chase processes payments submitted before 8 p.m. Eastern Time on business days and posts them the next business day. Payments submitted after 8 p.m. or on weekends are processed the next business day. The exact time your payment leaves your bank account depends on your bank's schedule, which may be a day or two later.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount you want, as long as it's at least the minimum payment shown on your statement. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. You can make multiple payments in one month if you want to.
What happens if I pay after my due date?
If your payment posts after your due date, Chase will report the late payment to credit bureaus and charge you a late fee. The late fee is usually $25 to $40 depending on your card and account history. A late payment can lower your credit score and may increase your interest rate.
Can I change my payment due date?
Yes. Log into your Chase account, go to the billing or account settings section, and look for an option to change your due date. Chase usually lets you pick any day of the month between the 1st and the 28th. The change takes effect on your next billing cycle.