Pay your Boscov's card online, by phone, or by mail
Boscov's accepts payments through three main channels: their online portal, an automated phone line, or traditional mail. The fastest method is online through your account dashboard, which processes when ready and lets you see your balance and due date in one place. Phone payments work the same day if you call before the payment important date. Mail takes 7 to 10 business days to reach the processing center, so send it well before your due date to avoid late fees.
You'll need your account number and either a checking account, savings account, or debit card to make a payment. The account number appears on your physical card and on any billing statement you receive. If you don't have your statement handy, you can look up your account number by logging into your online account or calling the customer service number on the back of your card.
Key Takeaways
- Online payments through Boscov's portal process when ready and show your current balance and due date.
- Phone payments work the same day if you call before the important date; the number is on the back of your card.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date.
- You can set up automatic payments from your bank account to avoid missing a due date.
- Late fees explore if your payment arrives after the due date shown on your statement.
Paying online through your Boscov's account
Go to the Boscov's website and select "Pay My Bill" or "Account Services" from the homepage. You'll be asked to log in with your account number and password. If you don't have an online account yet, you can create one by entering your card number, last name, and ZIP code. The system will send you a temporary password by email, which you can change once you're logged in.
Once 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—checking account, savings account, or debit card—and enter the routing number and account number (for bank accounts) or card details. Review the payment date; online payments process the same day if submitted before 8 p.m. Eastern Time on a business day. Payments submitted after that time or on weekends process the next business day.
After you submit, you'll see a confirmation number on screen. Write this down or take a screenshot. The confirmation appears in your online account history as well, so you can check back anytime to verify the payment went through.
Paying by phone
Call the number on the back of your Boscov's card to reach the automated payment line. You'll need your account number and the bank account or debit card you want to pay from. The system will ask you to enter the amount and confirm the payment date. Payments made before the cutoff time (usually 8 p.m. Eastern) post the same day.
If you prefer to speak with a representative, you can stay on the line after the automated system finishes, though wait times vary. A representative can answer questions about your balance, due date, or payment options, but they cannot process payments faster than the automated system. Keep your confirmation number for your records.
Paying by mail
Write a check or money order payable to Boscov's and include your account number on the memo line. Mail it to the address shown on your billing statement—this address changes depending on which processing center handles your account, so always use the address on your most recent bill rather than a saved address.
Mail payments take 7 to 10 business days to arrive and be processed. To avoid a late fee, mail your payment at least 14 days before your due date. If you're close to your due date, use online or phone payment instead. Keep a copy of the check or money order for your records, and note the date you mailed it in case you need to follow up.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your online account, go to "Manage Payments" or "Payment Settings," and select "Set Up Automatic Payment." Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month. Select the day of the month the payment should process—most cardholders choose a date shortly after payday.
You can change or cancel automatic payments anytime through your online account. If you cancel, make sure you have another payment method in place so your account doesn't fall behind. Automatic payments appear in your account history just like manual payments, so you can track them the same way.
What to do if your payment is late
If your payment arrives after the due date on your statement, Boscov's will charge a late fee. The amount varies but typically ranges from $25 to $40 depending on your account terms. A late payment also appears on your credit report and may increase your interest rate on future purchases.
If you're behind on payments, contact Boscov's customer service as soon as possible. Explain your situation and ask whether they can work with you on a payment plan or temporarily lower your interest rate. Some cardholders are able to negotiate, especially if this is your first late payment. The sooner you call, the more options may be available.
Frequently Asked Questions
Can I pay my Boscov's card with a different bank account than the one I used to open it?
Yes. You can use any checking account, savings account, or debit card to make a payment, regardless of which bank it's with. You'll enter the routing and account number (or card details) each time you pay, or save it to your online account for faster future payments.
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, or contact customer service to request a refund check. Refunds typically take 5 to 7 business days to arrive.
Is there a fee for paying online or by phone?
No. Boscov's does not charge a fee for online or phone payments. Some third-party payment services may charge a fee if you use them, but paying directly through Boscov's is free.
How do I know if my payment was received?
Log into your online account and check your payment history. You'll see the date, amount, and status of every payment you've made. You can also call customer service and provide your confirmation number if you need verification.
Can I make a payment if I don't have an online account?
Yes. You can pay by phone using the number on the back of your card, or by mail. You don't need an online account to make payments, though having one makes it easier to track your balance and due date.