The fastest way to pay your Chase credit card
You can pay your Chase credit card balance online through Chase.com, by phone at 1-800-935-9935, by mail, or through automatic payments set up in your account. The online method is fastest — payments post the same business day if you pay before 8 p.m. ET on a weekday. Phone payments also post same-day. Mail payments take 5 to 7 business days to reach Chase, so use mail only if you cannot access online or phone options.
You do not need to wait for a bill to arrive to make a payment. You can pay any amount, any time, as long as your account is open and in good standing. If you are behind on payments or your account is closed, contact Chase directly before attempting to pay online.
Key Takeaways
- Online payments through Chase.com or the Chase mobile app post the same business day if submitted before 8 p.m. ET on a weekday.
- Phone payments to 1-800-935-9935 also post same-day and do not require you to set up online access first.
- Automatic payments can be scheduled for a fixed date each month or set to pay your full statement balance automatically.
- Mail payments take 5 to 7 business days and should only be used if you cannot pay online or by phone.
- Your minimum payment due date appears on your statement; paying after that date triggers a late fee and may affect your credit report.
Paying online through Chase.com or the mobile app
Log in to your Chase account at Chase.com or open the Chase mobile app on your phone. Select the credit card you want to pay from the list of accounts. You will see your current balance, minimum payment due, and due date on the account overview page.
Click "Make a Payment" or the payment icon. Enter the amount you want to pay — you can pay any amount from $1 up to your full balance. Choose your payment method: you can pay from a Chase checking or savings account, a bank account at another institution, or a debit card. If you are paying from an external bank account for the first time, Chase will verify the account by depositing two small amounts (usually under $1 each) and asking you to confirm the amounts. This verification takes 1 to 2 business days.
Review the payment details and confirm. The payment will post to your account the same business day if submitted before 8 p.m. ET Monday through Friday. Payments submitted after 8 p.m. ET or on weekends post the next business day.
Paying by phone
Call Chase at 1-800-935-9935 and have your credit card and a checking or savings account number ready. A representative will ask you to confirm your identity, then tell you your current balance and minimum payment due. You can pay any amount, and the payment posts the same business day if you call before 8 p.m. ET on a weekday.
You do not need online access to pay by phone, and you do not need to verify a bank account in advance. This method works if your online account is locked, if you prefer speaking to a person, or if you do not have a smartphone or computer available.
Setting up automatic payments
Automatic payments remove the risk of missing your due date. Log in to Chase.com, go to your credit card account, and select "Autopay" or "Automatic Payments." You will see options to pay a fixed amount each month, pay your full statement balance, or pay your minimum payment due.
Choose the payment date — this can be any day between the 1st and the 28th of the month. The payment will be drawn from a Chase checking account, a Chase savings account, or an external bank account you have already verified. You can change or cancel automatic payments at any time by logging back into your account.
Most cardholders choose to pay the full statement balance automatically to avoid interest charges. If you carry a balance and want to pay only the minimum, automatic payments will still help you avoid late fees and credit damage.
Paying by mail
Write a check or money order payable to Chase. Include your credit card number on the check or money order. Mail it to the address printed on your statement under "Payment Address" — this address is different from the mailing address for correspondence, so use the payment address only.
Mail payments take 5 to 7 business days to arrive and post to your account. Your due date does not change based on when you mail the payment; it is based on when Chase receives it. If your payment arrives after your due date, you will be charged a late fee and the late payment may be reported to credit bureaus. Mail only if you cannot pay online or by phone.
What happens if you miss your due date
Your minimum payment due date appears on your statement and in your online account. If your payment is not received by that date, Chase charges a late fee (typically $25 to $39 depending on your account history) and may increase your interest rate. A payment that is 30 days late is reported to the three major credit bureaus and will lower your credit score.
If you are running late, pay as soon as possible — even a payment made a few days after the due date is better than waiting longer. Contact Chase at 1-800-935-9935 if you are unable to make a payment and want to discuss your options. Some cardholders may be offered a hardship program or a temporary payment plan, but this is not may provide.
Understanding your statement and balance
Your Chase statement shows your statement balance (the total you owe as of the statement closing date), your current balance (what you owe right now, including new charges), and your minimum payment due. The statement balance is what you are charged interest on if you do not pay it in full by your due date.
If you make a payment before your statement closes, that payment reduces your statement balance and the interest you will owe. If you make a purchase after your statement closes, that purchase appears on your next statement and is not due until the following month's due date. Paying your full statement balance by the due date means you will not be charged interest on that balance.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
No. Chase does not accept credit card payments from other issuers. You must pay from a checking account, savings account, or debit card. Paying a credit card with another credit card typically counts as a cash advance and triggers fees and higher interest rates.
What if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling 1-800-935-9935. Refunds are mailed to your address on file and take 7 to 10 business days.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum due and your full balance. Paying only the minimum means you will be charged interest on the remaining balance. Paying the full statement balance by your due date means no interest is charged.
How do I know if my payment went through?
Log in to your Chase account online or in the app and check your account activity. Online and phone payments show as pending when ready and post within one business day. You will also receive a confirmation email if you paid online. Mail payments may take 5 to 7 days to appear in your account.
What if I need to dispute a charge instead of paying it?
You can still make a payment on your full balance while disputing a single charge. Contact Chase at the number on your statement to report the disputed charge. Chase will investigate while you continue making regular payments on the rest of your balance.