How to pay your Credit One Bank card
You can pay your Credit One Bank card online through their website, by phone, by mail, or in person at a MoneyGram location. The fastest method is online through your account portal — payments typically post the same day if you pay before the cutoff time, which is usually 8 p.m. Eastern Time. Phone payments also post same-day if you call before that cutoff. Mail and in-person payments take longer and should be sent or made at least 10 business days before your due date to avoid a late fee.
Your payment must reach Credit One Bank by your due date to avoid interest charges and late fees. The due date appears on your statement and in your online account. If you miss the due date, Credit One Bank charges a late fee (the amount varies based on your card terms) and may report the late payment to credit bureaus.
Key Takeaways
- Online payments through your Credit One Bank account portal post the same day if submitted before 8 p.m. Eastern Time.
- Phone payments also post same-day when you call before the 8 p.m. cutoff; the customer service number is on your statement.
- Mail payments should be sent at least 10 business days before your due date, and you should mail to the address shown on your statement.
- MoneyGram locations accept in-person Credit One Bank payments, though these take several business days to post.
- Your payment must arrive by the due date printed on your statement to avoid late fees and interest charges.
Paying online through your account portal
Log in to your Credit One Bank account at creditonebank.com. Click on the "Make a Payment" or "Pay Now" button, which is usually visible on your account dashboard. Enter the amount you want to pay and select your payment method — you can pay from a checking or savings account (ACH transfer) or use a debit card.
Review the payment details carefully before confirming. The system will show you the amount, the date it will post, and the account it will be drawn from. Once you confirm, you will receive a confirmation number. Write this down or take a screenshot. Payments submitted before 8 p.m. Eastern Time typically post the same business day; payments after that cutoff post the next business day.
If you set up automatic payments, you can choose whether to pay the full statement balance, the minimum payment, or a fixed amount each month. Automatic payments remove the risk of forgetting a due date, though you should still check your statement each month to make sure the amount is correct.
Paying by phone
Call the customer service number on the back of your card or on your statement. Have your card number and the amount you want to pay ready. A representative will walk you through the payment process and confirm the details before processing.
Phone payments post the same day if you call before 8 p.m. Eastern Time. After that time, the payment will post the next business day. You will receive a confirmation number over the phone — ask the representative to repeat it and write it down.
Paying by mail
Write a check or money order payable to Credit One Bank. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from the address where you receive your statement, so check carefully.
Mail payments take 7 to 10 business days to arrive and post. Send your payment at least 10 business days before your due date. If you are close to your due date, use online or phone payment instead to avoid a late fee. Keep a copy of the front and back of your check for your records.
Paying in person at MoneyGram
Find a MoneyGram location near you using the MoneyGram locator at moneygram.com. Go to the location with your Credit One Bank card or account number and the amount you want to pay. The MoneyGram agent will process the payment and give you a receipt.
In-person payments take 3 to 5 business days to post to your account. Because of this delay, pay at MoneyGram only if you have time before your due date. There may be a small fee charged by MoneyGram for this service, though Credit One Bank does not charge a fee for receiving the payment.
What to do if you cannot pay by your due date
Contact Credit One Bank as soon as you know you will miss your due date. Call the number on your statement and explain your situation. While Credit One Bank cannot waive a late fee that has already been charged, they may be able to work with you on a payment plan or discuss your options.
A late payment will be reported to credit bureaus and will damage your credit score. The damage is worst in the first 30 days after the due date, but the late payment stays on your credit report for seven years. Paying as soon as possible after you miss the due date will limit the damage, but it will not erase the late payment from your history.
Frequently Asked Questions
What time does my online payment need to be submitted to post the same day?
Payments submitted before 8 p.m. Eastern Time post the same business day. Payments submitted after 8 p.m. Eastern Time post the next business day. Check your statement or account portal for the exact cutoff time, as it may vary slightly.
Can I pay my Credit One Bank card with a credit card?
No, Credit One Bank does not accept credit card payments. You can pay with a checking or savings account (online or by phone), by check or money order (by mail), or in person at MoneyGram. Paying with another credit card would also count as a cash advance on that card and would incur fees and interest.
What happens if I pay after my due date?
A late fee will be charged to your account, and the late payment will be reported to credit bureaus. Interest will also accrue on your balance. The longer the payment is late, the more damage it does to your credit score. Pay as soon as you can to limit the impact.
Is there a fee to pay my Credit One Bank card online?
No, Credit One Bank does not charge a fee for online payments. Phone payments are also free. Mail and MoneyGram payments are free from Credit One Bank's side, though MoneyGram may charge a small fee for in-person payments.
How do I know if my payment was received?
Log into your account portal and check your transaction history. You can also call customer service and provide your confirmation number. Your statement will also show the payment once it posts, though this may take a few days depending on your payment method.