Pay your Chase credit card online, by phone, or by mail
You can pay your Chase credit card balance through your online account, the Chase mobile app, by phone, or by mailing a check. The fastest method is online or through the app — payments post the same business day if you pay before the cutoff time, usually 8 p.m. Eastern. Phone and mail payments take longer and may incur fees if you're paying close to your due date.
Chase does not charge a fee for any of these payment methods. However, if you pay by phone using a third-party service (not Chase's own phone line), that service may charge a convenience fee. The key is knowing which method works for your situation and when the payment will actually reach your account.
Key Takeaways
- Online and mobile app payments post the same business day if submitted before 8 p.m. Eastern, while phone and mail payments take several business days.
- Chase's official payment methods — online, app, and their phone line — do not charge fees, but third-party payment services may.
- You can set up automatic payments from your bank account to avoid missing your due date.
- If you pay after your due date, Chase will report the late payment to credit bureaus, even if you pay within a few days.
- Payments must clear your bank account before they count as received by Chase.
Pay online through your Chase account
Log in to your Chase account at chase.com using your username and password. Click "Pay" or "Make a Payment" — the exact wording depends on your card type. Enter the amount you want to pay and select the bank account you want to pay from. Review the details and confirm.
Chase will show you the expected posting date before you submit. If you submit before 8 p.m. Eastern on a business day, the payment typically posts the same day. Payments submitted after 8 p.m. or on weekends post the next business day. You'll receive a confirmation number when ready and can check your account to see the payment status within a few hours.
Pay through the Chase mobile app
Open the Chase mobile app and navigate to your credit card account. Tap "Pay" or "Make a Payment." Enter the amount, select your funding bank account, and confirm. The posting timeline is the same as online payments — same business day if submitted before 8 p.m. Eastern.
The app shows your payment status in real time. You can also set up recurring automatic payments directly from the app, which removes the need to remember your due date each month. If you choose automatic payments, Chase will deduct the amount from your linked bank account on the date you select.
Pay by phone with Chase customer service
Call the number on the back of your credit card. A representative will verify your identity and ask how much you want to pay and which bank account to draw from. The payment is processed when ready, but it takes two to three business days to post to your account. This method is slower than online or app payments and should only be used if you cannot access digital channels.
Do not use a third-party payment service that advertises "when ready" or "expedited" credit card payments. These services charge fees (often $10 to $20) and are not run by Chase. If you need a payment to post quickly, use Chase's online or app method instead.
Pay by mail
Write a check payable to Chase and include your account number on the check. Mail it to the address printed on your billing statement — this address is specific to your card type and region. Allow 7 to 10 business days for the check to arrive and post.
Mailing a payment is the slowest option and carries risk: if the check is lost or delayed, you may miss your due date and incur a late fee. Only use this method if you have no other way to pay and you mail the check at least two weeks before your due date. Keep a copy of the check or take a photo of it for your records.
Set up automatic payments to avoid late fees
Automatic payments remove the risk of forgetting your due date. Log into your Chase account, go to "Settings" or "Preferences," and select "Automatic Payments." Choose whether you want to pay your full statement balance, a fixed amount, or your minimum payment each month. Select the date you want the payment to come out and the bank account to draw from.
Chase will deduct the payment automatically on that date each month. If your due date falls on a weekend or holiday, the payment will process on the next business day. You can change or cancel automatic payments anytime, and you'll receive a confirmation email each time a payment is processed.
What happens if you miss your due date
If your payment does not post by your due date, Chase will charge a late fee (typically $25 to $40 for the first late payment, higher for subsequent ones) and report the late payment to credit bureaus. This report stays on your credit history for seven years and can lower your credit score. Even if you pay a few days late, the damage is done — there is no grace period after the due date.
If you realize you will miss your due date, contact Chase when ready. Some cardholders can request a one-time waiver of the late fee, especially if they have a good payment history. However, do not count on this. The safest approach is to set up automatic payments or pay several days before your due date to account for processing delays.
Frequently Asked Questions
How do I know if my payment posted?
Log into your Chase account and check your recent transactions. Payments submitted online or through the app show a status update within a few hours. You can also call the number on the back of your card to confirm the payment was received. Chase sends a confirmation email for each payment processed.
Can I pay my Chase 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 "Pay Bills," and enter Chase's mailing address and your card number. This method typically takes three to five business days to post, so plan ahead. Check your bank's fee policy — some charge for bill pay services.
What 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 Chase. Refunds typically take five to seven business days to appear in your bank account. There is no fee for requesting a refund.
Do I have to pay the full balance or can I pay part of it?
You can pay any amount, as long as it is at least your minimum payment due. Paying only the minimum means you will owe interest on the remaining balance. Paying the full statement balance avoids interest charges entirely. You can see both amounts on your billing statement.
What time zone is the 8 p.m. cutoff in?
Chase uses Eastern Time for all payment cutoffs. If you live in a different time zone, convert accordingly — for example, 8 p.m. Eastern is 7 p.m. Central and 5 p.m. Pacific. Payments submitted after the cutoff in your local time may not post until the next business day.