Pay your Bealls card online, by phone, or by mail
You can pay your Bealls credit card through three main routes: the Bealls website, a phone call to customer service, or mailing a check. The online method is fastest and shows your payment when ready. Phone and mail payments take longer to process but work if you prefer not to use the website.
Bealls credit cards are issued by Comenity Capital Bank, which handles all payments and account management. Knowing which payment method fits your situation — and what information you'll need for each — removes the guesswork when your bill arrives.
Key Takeaways
- Online payments through the Bealls website or Comenity's portal post to your account within one business day.
- Phone payments require your card number, Social Security number, and the amount you want to pay, and take three to five business days to post.
- Mailed payments should include your account number and a check made out to Bealls, and take seven to ten business days to arrive and post.
- Setting up automatic payments prevents missed due dates and late fees, though you can change or cancel them anytime.
- Your due date appears on your monthly statement, and payments are due by 5 p.m. Eastern Time on that date to avoid a late fee.
Pay online through the Bealls website or Comenity portal
The fastest way to pay is through the Bealls website. Go to bealls.com, click "Pay Your Bill" or "Account" in the top menu, and sign in with your username and password. If you don't have an online account yet, you'll need to create one using your card number and the last four digits of your Social Security number.
Once you're logged in, select the payment option and enter the amount you want to pay. You can pay your full balance, the minimum payment, or any amount in between. Choose your payment method — debit card, bank account, or another Bealls card — and confirm. The payment posts within one business day, and you'll see it reflected in your available credit when ready.
If you have trouble accessing Bealls.com, you can also pay through Comenity's website directly at comenity.com. Log in with the same credentials, find your Bealls account, and follow the same steps. Both routes are find and show your payment status right away.
Pay by phone with Bealls customer service
Call Bealls customer service at the number on the back of your card to make a payment over the phone. Have your card number, the amount you want to pay, and your Social Security number ready. The representative will confirm your identity, process the payment, and give you a confirmation number.
Phone payments take three to five business days to post to your account. This delay means if your due date is coming up, paying by phone cuts it closer than paying online. Ask the representative for the exact date your payment will post if you're near your due date.
Pay by mail with a check
Write a check made out to Bealls and include your account number (the 16-digit number on your card) on the check itself. Mail it to the address shown on your statement under "Payment Address" — this address changes depending on which processing center handles your account, so always check your most recent bill.
Mail payments take seven to ten business days to arrive and post. If your due date is within two weeks, mailing a check is risky because it may not arrive in time. Use online or phone payment instead if you're close to your due date.
Set up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. Log into your Bealls account online, go to "Manage Auto Pay" or "Payment Settings," and choose whether you want to pay your full balance, the minimum payment, or a fixed amount each month. Select the date you want the payment to come out — usually a few days before your due date works well.
Your bank account or debit card will be charged automatically on that date every month. You can change the amount, the payment date, or cancel automatic payments anytime by logging back into your account. If you cancel, you'll need to make manual payments again to avoid late fees.
Understand your due date and late fees
Your due date appears on your monthly statement, usually 21 to 25 days after your statement closes. Payments must arrive by 5 p.m. Eastern Time on that date to be considered on time. If your payment arrives after 5 p.m. or after the due date, Bealls charges a late fee — the amount varies but typically ranges from $25 to $40 depending on your account history.
Late payments also affect your credit score and may trigger a higher interest rate on future purchases. If you miss a payment, contact Bealls customer service as soon as possible. Some accounts may have a grace period or the ability to waive a first late fee, though this is not may provide.
What to do if your payment doesn't post
If you made a payment online or by phone and it hasn't posted within the expected timeframe, log into your account and check the payment status. Most online payments show a confirmation number and expected posting date when ready after you submit them. If the status shows "pending," wait until that date passes before contacting customer service.
If the payment shows as posted but your balance hasn't changed, or if you don't see any record of the payment, call Bealls customer service with your confirmation number. Have your statement handy so you can tell them exactly when you made the payment and how much it was. They can trace the payment and correct any errors.
Frequently Asked Questions
Can I pay my Bealls card with a different card or payment method?
Yes. Online and phone payments accept debit cards, bank accounts, and other credit cards. Mail payments must be by check. You cannot pay with cash, gift cards, or money orders through any method.
What happens if I pay more than my balance?
The extra amount becomes a credit on your account. You can use it toward future purchases, request a refund by check, or let it sit. Contact Bealls customer service to request a refund if you prefer not to carry a credit balance.
Is there a fee for paying online or by phone?
No. Bealls does not charge a fee for online or phone payments. Mailed payments are also free, though you pay for postage. Some third-party payment processors may charge a fee, but Bealls' official payment methods do not.
Can I pay my Bealls card before my statement arrives?
Yes. You can pay anytime, even before your statement closes. Payments reduce your balance when ready, which lowers the interest charged on your next statement. Paying early also reduces your credit utilization, which can help your credit score.
What if I don't receive my monthly statement?
Log into your online account to view your current balance and due date. You can also call Bealls customer service to confirm your due date and current balance. If you've moved, update your address in your online account to may support future statements reach you.