How to pay your BP credit card bill online, by phone, or by mail
You can pay your BP credit card through BP's online portal, by phone, or by mailing a check. The fastest method is online through your account dashboard, where the payment posts within one business day. Phone payments take the same time but require you to speak with a representative. Mail payments take 7 to 10 business days to reach BP's processing center, so send them well before your due date to avoid late fees.
BP credit cards are issued through various partner banks depending on which card you hold. The payment method you use depends on which bank backs your card — some cards route through Chase, others through different issuers. Before you set up a payment, confirm which bank issued your card by checking your statement or logging into your account.
Key Takeaways
- Online payments through your card issuer's website or app are the fastest and most reliable way to pay, posting within one business day.
- Phone payments require you to call your card issuer's customer service line, which you can find on the back of your card or your statement.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
- Your payment due date is listed on your monthly statement, and paying by that date prevents interest charges on your balance.
- Setting up automatic payments through your bank account ensures you never miss a due date, though you should still monitor your account.
Pay online through your card issuer's portal
Log into the website or mobile app for the bank that issued your BP card. If you do not know which bank that is, check the back of your card or your most recent statement — the issuer's name appears there. Once you are logged in, look for a "Make a Payment" or "Pay My Bill" button, usually on the account dashboard or under a "Payments" tab.
Enter the amount you want to pay and choose your payment date. You can pay the full balance, the minimum payment, or any amount in between. If you choose a date more than a few days away, the payment will post on that date; if you pay today, it typically posts within one business day. After you confirm, you will see a confirmation number — save this in case you need to reference the payment later.
Pay by phone with a customer service representative
Call the customer service number on the back of your BP credit card or on your statement. Have your card number and the amount you want to pay ready. The representative will walk you through the payment process and may ask for your bank account information if you are paying from a checking or savings account.
Phone payments post on the same timeline as online payments — usually within one business day. Ask the representative for a confirmation number before you hang up. If you prefer not to speak with someone, many issuers offer an automated phone payment system where you enter your information using your phone keypad, though this is less common than it once was.
Pay by mail with a check or money order
Write a check or money order for the amount you owe and include a payment stub from your statement if one came with your bill. If there is no stub, write your account number on the check itself. Mail it to the address listed on your statement under "Payment Address" — this is different from the address where you receive your bill.
Mail payments take 7 to 10 business days to arrive and be processed. To avoid a late fee, mail your payment at least two weeks before your due date. Keep a copy of the check or a photo of the money order receipt for your records. If you are concerned the payment did not arrive, wait 10 business days, then log into your account to confirm it posted.
Set up automatic payments from your bank account
Automatic payments deduct your credit card payment directly from your checking or savings account on a date you choose each month. To set this up, log into your card issuer's website, find the "Autopay" or "Automatic Payments" section, and link your bank account. You will need your bank's routing number and your account number, both of which appear on the bottom left of your checks.
You can choose to pay the full balance, the minimum payment, or a fixed amount each month. The payment will post on your chosen date, usually within one business day. Even with automatic payments set up, check your account periodically to make sure the payment went through and your balance is correct. If your balance changes unexpectedly or a payment fails, you will want to know right away.
Understand your due date and avoid late fees
Your payment due date is printed on your monthly statement and is usually the same day each month. If you pay by the due date, you will not be charged interest on your balance (assuming you paid in full the previous month). If you pay after the due date, you will owe a late fee — the amount varies by card but is typically $25 to $40 for the first late payment.
Late payments also damage your credit score and may trigger a higher interest rate on future purchases. If you miss a due date, pay as soon as you can. One late payment will not destroy your credit, but multiple late payments will. If you are struggling to make payments, contact your card issuer to ask about hardship programs or payment plans.
What to do if your payment does not post
If you made a payment and it does not appear in your account after the expected time, log in and check your account balance first — the payment may have posted but not be when ready visible in the transaction history. If several business days have passed and the payment still does not show, contact your card issuer's customer service line.
Have your confirmation number ready if you paid online or by phone. If you mailed a check, have the check number and the date you mailed it. The representative can trace the payment and tell you whether it arrived and when it will post. If the payment was lost in the mail, you may need to stop payment on the original check and send a new one.
Frequently Asked Questions
Can I pay my BP credit card from another bank's app?
Yes. Most banks allow you to set up bill payments to external accounts, including credit cards. Log into your bank's app, select "Bill Pay" or "Send Money", and enter your BP card issuer's payment address and your account number. This method takes 3 to 5 business days, so plan ahead.
What happens if I pay more than I owe?
The overpayment becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. Most issuers will refund overpayments of $1 or more, though some have a minimum threshold.
Do I have to pay the full balance every month?
No. You can pay the minimum amount shown on your statement, but you will be charged interest on the remaining balance. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster.
Can I change my due date?
Most card issuers allow you to move your due date by 7 to 10 days. Log into your account and look for "Change Due Date" or contact customer service. Changing your due date does not affect your current bill — the change takes effect on your next statement.
What if I cannot afford to pay my bill?
Contact your card issuer when ready. Many offer hardship programs, temporary payment reductions, or extended payment plans. The sooner you call, the more options you may have. Waiting until you are significantly behind makes it harder to negotiate.