Mail your Chase credit card payment to the address printed on your statement or the back of your card
Chase lists a specific mailing address for payments on every monthly statement you receive. This address changes depending on which Chase card you hold and which processing center handles your account. The safest approach is to use the address shown on your current statement rather than an old one, because Chase moves payment processing between locations.
You can also find the payment address by calling the number on the back of your card and asking customer service directly. They will confirm the current mailing address and can tell you how many days the mail typically takes to reach their processing center from your location.
Key Takeaways
- The mailing address for Chase credit card payments appears on your monthly statement and on the back of your physical card.
- Chase uses different processing centers for different card products, so the address may differ from one cardholder to another.
- Mailing a check typically takes five to seven business days to post to your account, so send it early if your due date is approaching.
- Paying online or by phone through Chase's website or app is faster and eliminates the risk of mail delays.
How long it takes for a mailed payment to post
A check mailed to Chase usually takes five to seven business days to arrive and post to your account. This timeline assumes you mail it from within the United States and that the postal service delivers it without delay. If your due date is fewer than seven days away, mailing a payment is risky because late fees apply if the payment does not post by the due date.
Chase's payment processing centers are located in different states depending on your card type. A payment mailed from the West Coast may take longer than one mailed from the Midwest. If you are cutting it close to your due date, ask the customer service representative on the back of your card how many days their specific processing center typically needs.
Why the address changes between card products
Chase operates separate payment processing centers for different card products — business cards, travel rewards cards, and basic cash-back cards may each have their own address. The company routes payments this way to speed up processing and reduce errors. If you hold multiple Chase cards, each one may have a different mailing address.
Using an outdated address does not mean your payment will be lost, but it may be delayed while the postal service or Chase's mail room forwards it to the correct center. This delay can push your payment past the due date and trigger a late fee. Checking your current statement every time you mail a payment prevents this problem.
What information to include with your mailed payment
Write your account number on the check itself, not just on the envelope. Include your full name and the mailing address associated with your account. If you are paying from a different address than the one on file, write both addresses clearly so the payment processing center can match the check to your account without delay.
Do not include extra documents or letters with your payment unless Chase has specifically asked you to. Payment processing centers are automated and may not route additional paperwork to the right department. If you need to communicate something to Chase about your account, call customer service or send a separate letter to their general mailing address.
Faster alternatives to mailing a check
Chase's website and mobile app both allow you to pay online using a bank account or debit card. Online payments post within one business day in most cases, and you can schedule a payment for a future date if you want to time it with your paycheck. This method eliminates mail delays and gives you a confirmation number immediately.
You can also pay by phone by calling the number on the back of your card. A customer service representative will take your payment information over the phone and confirm the amount and due date. Phone payments typically post within one business day as well. Both online and phone payments charge no fee for standard processing.
What to do if your mailed payment is late
If your payment arrives after the due date, Chase will charge a late fee on your next statement. The amount depends on your card's terms, but late fees typically range from $25 to $40 for the first late payment. A late payment also appears on your credit report and may affect your credit score.
If this is your first late payment and you have a good payment history with Chase, you can call customer service and ask them to waive the late fee as a courtesy. They cannot undo the late payment report to credit bureaus, but they may remove the fee itself. This option works best if you call within a few days of the late payment posting.
International payments and special situations
If you live outside the United States, mailing a check to a U.S. address takes significantly longer and may incur international postage fees. Chase recommends using online payment or calling customer service to arrange a wire transfer or other international payment method. Ask the representative which method works best for your country and whether any fees apply.
If you are paying on behalf of someone else's account, you will need their account number and permission to make the payment. Mailing a check with someone else's account number works the same way as paying your own account. If you are a joint account holder, either person can mail a payment to the address on the statement.
Frequently Asked Questions
Can I mail a payment to a Chase branch location instead of the processing center?
No. Chase branch locations do not process credit card payments. Mailing a payment to a branch will delay it significantly while staff forward it to the correct processing center. Always use the address printed on your statement or provided by customer service.
What if I lost my statement and do not know the mailing address?
Call the number on the back of your card and ask customer service for the current payment mailing address. You can also log into your Chase account online and view your most recent statement, which will display the address. Do not guess or use an old address from memory.
Does Chase charge a fee for mailed payments?
No. Chase does not charge a fee for mailing a check or paying online. Some third-party bill payment services may charge a fee to mail a check on your behalf, but Chase itself does not.
How do I know if my mailed payment was received?
Log into your Chase account online or through the app and check your payment history. Your payment will show as posted once it reaches the processing center. If you mailed it more than seven business days ago and it has not posted, call customer service to investigate.
Can I stop payment on a check I already mailed?
Yes, but you will need to contact your bank, not Chase, to place a stop payment on the check. Your bank will charge a fee, typically $25 to $35, to stop payment. You will then need to send a new payment to Chase through a different method to avoid a late fee.