How to pay your At Home credit card from your account
At Home credit card payments can be made through their online portal, by phone, or by mail. The fastest route is logging into your account at athome.com or through the At Home mobile app, where you can make a one-time payment or set up automatic payments. You will need your card number and online login credentials to get your free guide.
If you do not have an online account yet, you can create one at athome.com by entering your card number and personal information. Once your account is set up, you can pay when ready without waiting for mail delivery or speaking to a representative.
Payments made online typically post to your account within one business day. If you are paying close to your due date, call the payment line directly to confirm the payment will arrive on time.
Key Takeaways
- Online payments through athome.com or the mobile app post within one business day and are the fastest way to pay.
- You can set up automatic monthly payments so your bill is paid on the same date each month without logging in each time.
- Phone payments are available by calling the customer service number on the back of your card, and the payment posts the same day if made before the cutoff time.
- Mail payments should be sent at least 10 business days before your due date to arrive on time.
- Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of when you sent it.
Paying online through your At Home account
Log into athome.com using your card number and password. If you have not created an account, select "Register" and enter your card number, date of birth, and email address. At Home will send a temporary password to your email, which you use to log in and create a permanent password.
Once logged in, look for "Make a Payment" or "Pay My Bill" in the account menu. Enter the amount you want to pay and select your payment method — you can pay from a checking or savings account, or use a debit card. Review the payment details and confirm. The payment will post within one business day.
If you want to avoid logging in each month, set up automatic payments on the same screen. Choose the date you want the payment to come out each month and the amount. Automatic payments will continue until you cancel them, so log back in if your situation changes.
Paying by phone or through the mobile app
Call the number on the back of your At Home credit card to reach the payment line. A representative will ask for your card number and the amount you want to pay. You can pay from a checking or savings account over the phone. Payments made before 8 p.m. Eastern Time typically post the same day; payments after that time post the next business day.
The At Home mobile app also allows you to make payments without logging into the website. read the app, log in with your card number and password, and select "Pay My Bill." The process is the same as paying online, and the payment posts within one business day.
Paying by mail
If you prefer to mail a check or money order, write your card number on the back of the check. Mail it to the address shown on your statement under "Make Payments To." Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive, so send your payment at least 10 business days before your due date. If your payment arrives after the due date, a late fee will be charged even if you mailed it on time. Keep a copy of your check or the tracking number if you mail it, in case there is a question about when it arrived.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, a late fee will be added to your account. The amount of the late fee depends on your card terms, but it is typically $25 to $35 for the first late payment. A second late payment in the same billing cycle may result in a higher fee.
A late payment also affects your credit score and may trigger a higher interest rate on future purchases. If you realize you will miss a due date, contact At Home customer service before the date passes to discuss your options. Some situations may allow you to request a one-time waiver of the late fee.
If your account falls 30 days or more behind, At Home may freeze your account and stop allowing new purchases until the balance is paid.
Setting up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting to pay on time. Log into your account, go to "Automatic Payments" or "Recurring Payments," and enter the amount and the date you want the payment to come out each month. You can choose to pay the full statement balance, the minimum payment, or a fixed amount.
If you set automatic payments for the full statement balance, your payment will be deducted a few days before your due date. This gives you a buffer in case there are any delays. You can change or cancel automatic payments at any time by logging back into your account.
Make sure the bank account or debit card you link to automatic payments has enough funds on the payment date. If the payment fails due to insufficient funds, a failed payment fee may be charged in addition to any late fees.
Frequently Asked Questions
How long does it take for an online payment to show up?
Online payments typically post within one business day. If you pay on a Friday evening, the payment may not show until Monday. If your due date is the next day, call the payment line instead to may support it posts the same day.
Can I pay my At Home credit card with a credit card?
No, At Home does not accept credit card payments. You can only pay with a checking or savings account, debit card, or by mailing a check or money order. Paying with another credit card would also trigger a cash advance fee.
What if I pay more than I owe?
The extra amount will be credited to your account as a balance forward. You can use it toward your next purchase, or contact customer service to request a refund. Refunds typically take 5 to 7 business days to appear in your bank account.
Is there a fee to pay my bill online?
No, At Home does not charge a fee for online or phone payments. Paying by mail is also free, though it takes longer. Some third-party payment processors may charge a fee, but paying directly through athome.com or the app does not.
Can I pay my bill if my account is frozen?
Yes, you can still make payments on a frozen account. In fact, making a payment may help restore your ability to make new purchases. Contact customer service to confirm the current balance and discuss a payment plan if you cannot pay the full amount at once.