Pay your Credit One card online, by phone, or by mail
Credit One Bank lets you pay your bill through their online account portal, by calling their customer service line, or by mailing a check. The fastest method is online — payments post the same business day if you submit before the cutoff time, usually 8 p.m. Eastern. Phone payments also process same-day. Mail takes 5 to 7 business days, so send it early if your due date is near.
You will need your account number and either a bank account for electronic payment or a credit card for phone payments. If you are paying by mail, write your account number on the check and send it to the address on your statement.
Key Takeaways
- Online payments through your Credit One account portal post the same business day if submitted before 8 p.m. Eastern.
- Phone payments to Credit One's customer service line also process same-day and require your account number and a bank account or card.
- Mailed checks take 5 to 7 business days to arrive and post, so send them at least a week before your due date.
- Set up automatic payments from your bank account to avoid missing a due date and triggering a late fee.
- Your statement shows the minimum payment due, but paying the full balance stops interest from building on new purchases.
Pay online through your Credit One account
Log into your Credit One account at creditonebank.com. Click "Make a Payment" or "Pay Now" — the exact wording depends on whether you are on desktop or mobile. Enter the amount you want to pay and select your payment method: bank account (ACH transfer) or debit card.
If you choose bank account, you will provide your routing number and account number. Debit card payments require the card number, expiration date, and CVV. Review the payment amount and due date before confirming. You will see a confirmation number when ready; Credit One also sends a receipt email within a few minutes.
Payments submitted before 8 p.m. Eastern on a business day post the same day. If you submit after 8 p.m. or on a weekend, the payment posts the next business day. Check your account the following day to confirm the payment arrived.
Pay by phone with a customer service representative
Call Credit One's customer service number, which is on the back of your card and on your statement. Have your account number ready. A representative will ask how much you want to pay and will request either your bank account information (routing and account number) or a debit card number.
Phone payments process the same business day. The representative will give you a confirmation number before you hang up. Write it down or take a screenshot. You will receive a confirmation email, though it may take a few hours to arrive.
If you call outside business hours, you may reach an automated system. Follow the prompts to enter your account number and payment amount. Automated payments also post same-day if submitted before the cutoff.
Pay by mail with a check
Write a check for the amount you owe. On the memo line, write your account number so Credit One knows which account to credit. Do not write your full account number in the address field — only on the check itself.
Mail the check to the address shown on your statement under "Payment Address" or "Make Checks Payable To." This address is different from the mailing address for correspondence, so check your statement carefully. Mail takes 5 to 7 business days to arrive, and Credit One may take another 1 to 2 business days to process it after it arrives.
If your due date is fewer than 10 days away, do not use mail. Use online or phone payment instead to avoid a late fee.
Set up automatic payments to avoid missing a due date
Log into your Credit One account and look for "Autopay," "Automatic Payments," or "Recurring Payments." Select the amount you want to pay each month — you can choose the minimum payment, a fixed dollar amount, or the full statement balance. Choose the date you want the payment to come out each month.
Credit One will deduct the payment from your bank account on that date every month. If that date falls on a weekend or holiday, the payment comes out the next business day. You can change or cancel automatic payments anytime through your account.
Automatic payments are the easiest way to stay current. Even if you forget about the bill, the payment goes through. This protects your credit score, because late payments stay on your report for seven years.
What happens if you miss a payment or pay late
A payment is late if it arrives after your due date. Credit One charges a late fee — the amount varies but is typically $25 to $40 for the first late payment. If you are late again within six months, the fee may be higher.
A late payment also appears on your credit report and can lower your credit score. After 30 days late, Credit One reports it to the credit bureaus. After 60 days, your interest rate may increase. After 120 days, your account may be closed and sent to collections.
If you miss a payment, pay as soon as you can. The sooner you pay, the less damage to your score. If you are having trouble making the payment, call Credit One's customer service to discuss options — some cardholders can negotiate a payment plan or hardship arrangement.
Understanding your statement and payment due date
Your Credit One statement shows the statement balance (what you owe), the minimum payment due, and the due date. The due date is usually 21 to 25 days after your statement closes. Your statement closes on the same date each month — this is your billing cycle date.
The minimum payment is the smallest amount Credit One will accept without charging a late fee. Paying only the minimum means the rest of your balance carries over to next month and accrues interest. To avoid interest, pay the full statement balance by the due date.
If you pay less than the minimum, you are late. If you pay the minimum or more by the due date, you are on time, even if you do not pay the full balance.
Frequently Asked Questions
Can I pay my Credit One card with another credit card?
No. Credit One only accepts bank account transfers (ACH) or debit cards. You cannot pay with another credit card online, by phone, or by mail. Using a credit card to pay another credit card is considered a cash advance and comes with high fees and interest.
What time does my online payment need to post by the due date?
Payments submitted before 8 p.m. Eastern on a business day post the same day and count as on-time. If you submit after 8 p.m. or on a weekend, it posts the next business day. To be safe, pay at least two business days before your due date.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount from the minimum payment up to your full balance. Paying only the minimum keeps you on-time but leaves the rest of your balance to accrue interest. Paying the full balance stops interest from building on new purchases.
What if I overpay my Credit One card?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use it toward your next bill, or you can request a refund by calling customer service. Refunds typically take 5 to 7 business days to arrive in your bank account.
Can I change my due date?
Yes. Log into your account or call customer service to request a due date change. Credit One usually allows you to move your due date to a different day of the month. The change takes effect on your next billing cycle.