Where and how to pay your Kays credit card bill

Kays credit card payments can be made online through your account, by phone, by mail, or in person at a Kays store. The online portal is the fastest route — you can log in, see your balance, and submit a payment in minutes. Phone payments go through Kays' customer service line and take about the same time. Mail and in-person payments take longer to post to your account, usually three to five business days.

Your payment due date appears on your monthly statement. Paying by the due date keeps you from incurring late fees and protects your credit score. If you miss the due date, Kays will report the late payment to credit bureaus after 30 days past due.

Key Takeaways

  • Online payment through your Kays account is the fastest method and shows your payment posted immediately.
  • Your due date is printed on your monthly statement, and paying late triggers a late fee and a credit report mark after 30 days.
  • Phone, mail, and in-store payments all work but take longer to process than online payment.
  • Setting up automatic payments from your bank account prevents missed due dates and removes the need to pay manually each month.

Paying online through your Kays account

Log into your Kays account on their website or mobile app using your account number and password. Navigate to the payments section, enter the amount you want to pay, and choose your payment method — debit card, credit card, or bank account. Review the details and submit. Your payment posts immediately, and you receive a confirmation number.

Online payments are free and carry no processing fee. You can pay any amount up to your full balance, and you can make multiple payments in a single billing cycle if you choose. The system shows your updated balance right after the payment clears.

Paying by phone

Call Kays customer service at the number on the back of your card or on your statement. Have your account number and payment method ready. A representative will walk you through the payment, confirm the amount, and provide a confirmation number. Phone payments are also free and post to your account within one business day.

Phone payments work well if you prefer speaking to someone or if you have questions about your balance or due date at the same time. Wait times vary depending on call volume, so calling early in the day or mid-week often means shorter holds.

Paying by mail

Write a check or money order payable to Kays and include your account number on the check. Mail it to the address printed on your statement — this address is different from the store address and is used only for payments. Mail payments take five to seven business days to arrive and post, so send your payment at least a week before your due date to avoid a late fee.

Keep a record of the check number and the date you mailed it. If your payment does not post within the expected timeframe, you can contact Kays with this information to track it down. Mailing a payment is slower than other methods and carries the risk of mail delay, so it is best used only if you do not have online or phone access.

Paying in person at a Kays store

Visit any Kays store location and ask to make a credit card payment. Bring your card or account number and your payment method — cash, debit card, or check. A cashier will process the payment and give you a receipt. In-store payments post within one to three business days.

In-store payment is convenient if you are already shopping, but it is not faster than online or phone payment. Store hours also limit when you can pay, unlike online payment which is available 24/7.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. Log into your Kays account online, go to the payments or account settings section, and select "set up automatic payment." Choose whether you want to pay your full balance or a fixed amount each month, and select your payment date — usually the due date or a few days before it. Provide your bank account information and confirm.

Automatic payments are free and can be changed or cancelled anytime through your account. If your balance varies month to month, you can set the payment to cover your full statement balance, which means you pay off the card completely each month. This prevents interest charges and keeps your account in good standing.

What happens if you miss a payment

If your payment does not arrive by the due date, Kays will charge a late fee — the amount varies but is typically $25 to $40 depending on your account terms. Your interest rate may also increase if you have a variable rate card. After 30 days past due, Kays reports the late payment to the three major credit bureaus, which lowers your credit score.

If you realize you will miss a due date, contact Kays before the date passes. Some accounts have a grace period of a few days, and customer service may be able to waive a first late fee or work out a payment plan. The sooner you reach out, the more options you may have.

Frequently Asked Questions

Can I pay my Kays card with a different payment method each time?

Yes. You can pay with a debit card one month, a bank account transfer the next, and a check the month after. There is no requirement to use the same method repeatedly. Online and phone payments accept debit cards, credit cards, and bank accounts. Mail and in-store payments accept checks, money orders, and cash.

How do I know if my payment posted?

Log into your Kays account online or check your statement. Online and phone payments post within one business day and show a confirmation number immediately. Mail and in-store payments take three to five business days. If you do not see the payment after that window, contact Kays with your confirmation number or check number.

What if I want to pay more than my minimum payment?

You can pay any amount up to your full balance without penalty. Paying more than the minimum reduces your interest charges and pays off the card faster. There is no fee for overpaying, and the extra amount goes toward your principal balance.

Can I set up automatic payments for a partial amount instead of my full balance?

Yes. When you set up automatic payment, you choose whether to pay your full statement balance or a fixed dollar amount each month. A fixed amount works if you want to pay the same sum regularly, but paying your full balance each month avoids interest charges entirely.

Is there a fee to pay my Kays card online?

No. Online, phone, mail, and in-store payments are all free. Kays does not charge a processing fee for any payment method. The only charge you may face is a late fee if your payment arrives after the due date.