Send payments to the address on your statement, not the customer service address
Chase lists a specific mailing address for payments on every monthly statement you receive. This address is different from the general customer service address or the address printed on your card. Using the address from your statement ensures your payment reaches the right department and posts to your account on time.
The payment address varies by card type and region. Chase may route different cards — business cards, secured cards, premium rewards cards — to different processing centers. Sending to the wrong address can delay posting by several days, which matters if you are close to your due date.
You can find the correct address in three places: your monthly paper statement, your online account under "Payment Information" or "Make a Payment", or by calling the number on the back of your card and asking the representative to read it to you.
Key Takeaways
- The payment mailing address appears on your monthly statement and in your online account; it is not the same as Chase's main customer service address.
- Different Chase card products may have different payment processing addresses, so check your own statement rather than using a general address.
- Mail payments should arrive five to seven business days before your due date to post on time, since processing takes three to five business days.
- If you mail a payment close to the due date and it does not post in time, contact Chase when ready with your statement showing the mailing address you used.
How to locate the payment address on your statement
Open your most recent monthly statement — either the paper copy or the PDF from your online account. Look for a section titled "Payment Information," "How to Pay," or "Make a Payment." The mailing address will be listed there, usually in a box or highlighted section near instructions for paying by mail.
The address will include a street address, city, state, and ZIP code. Some statements also include a separate address for overnight or courier delivery, which differs from the standard mail address. Use the standard mail address unless you are paying by overnight courier.
Write the address exactly as it appears on your statement, including any suite numbers, processing center codes, or department numbers. Chase's mail sorting system depends on these details to route your envelope to the correct processing center.
Finding the address in your online account
Log into your Chase account on chase.com or the Chase mobile app. Navigate to the card you want to pay. Look for a "Make a Payment" button or link, usually near your balance or due date.
Click into the payment screen. Before you confirm a payment, Chase displays the mailing address where a check or money order would be sent. You can view this address without actually submitting a payment. Take a screenshot or write down the address shown.
This method is useful if you have lost your statement or if you want to confirm the address before preparing your envelope. The address shown online matches what appears on your current statement.
What to include with your mailed payment
Write a check or money order for the amount you owe. Do not send cash through the mail. On the check or money order, write your account number in the memo line so Chase can match the payment to your account.
Include your account number on the outside of the envelope as well, either on the check itself or on a separate line inside the envelope. This redundancy helps if the check becomes separated from the envelope during processing.
Mail the payment in a standard business envelope. Do not send additional documents, statements, or letters unless Chase has specifically asked you to include them. Extra papers can slow processing.
Timing your mailed payment to avoid late fees
Mail your payment at least five to seven business days before your due date. The postal service typically takes three to five business days to deliver mail, and Chase takes another one to two business days to process and post the payment after it arrives.
If you mail a payment on a Friday, it may not arrive until the following Wednesday or Thursday. If your due date falls on a weekend or holiday, Chase's due date is actually the next business day, but your payment still needs to arrive and be processed before that date.
If you are uncertain whether your payment will arrive on time, use Chase's online payment system or call to make a phone payment instead. Both post when ready or within one business day, eliminating mail delays.
What to do if your mailed payment is late
If your payment does not post by the due date, contact Chase as soon as you realize the delay. Have your statement ready and be able to tell the representative the exact mailing address you used, the date you mailed the payment, and the amount.
Chase may waive a late fee if you can show that you mailed the payment on time but it arrived late due to postal delays. The representative can check when the payment was received and may reverse any late fee or interest charge applied to your account.
Going forward, use online payment or phone payment for time-sensitive payments. These methods eliminate the uncertainty of mail delivery and post within hours or one business day.
Frequently Asked Questions
Can I use the address on the back of my Chase card to mail a payment?
No. The address on your card is for general correspondence and customer service inquiries, not for payments. Using it will delay your payment by several days or send it to the wrong department. Always use the address from your statement or online account.
What if I lost my statement and cannot find the payment address?
Log into your online account and view the payment screen, which displays the correct mailing address. You can also call the customer service number on the back of your card and ask the representative to read the payment address to you.
Does Chase have one payment address for all cardholders?
No. Different card types and regions may have different processing centers and mailing addresses. Always check your own statement rather than using an address you find online or from another cardholder, because it may not be correct for your specific card.
How long does it take for a mailed payment to show up in my account?
Typically three to five business days after Chase receives it. Mail delivery adds another three to five business days before that. Plan for seven to ten business days total from the date you mail the envelope to the date the payment posts to your account.
What happens if I mail a payment but then pay online before it arrives?
Contact Chase before the mailed payment arrives and ask them to return it. If both payments post, you will have a credit balance on your account, which Chase will refund or explore to your next statement. Calling ahead prevents the duplicate payment.