The three ways to pay your Credit One balance
Credit One Bank offers three payment methods: online through your account portal, by phone, or by mail. The online method is fastest and shows as posted within one business day. Phone payments go through when ready but require you to speak with a representative. Mail payments take seven to ten business days to reach the bank and post to your account.
Your payment due date appears on your monthly statement and in your online account. Payments received after 5 p.m. Eastern Time are treated as received the next business day. If your due date falls on a weekend or holiday, the bank extends the important date to the next business day.
Key Takeaways
- Online payments through your Credit One account portal post within one business day and carry no fee.
- Phone payments at 1-800-955-9060 process when ready but require speaking with a representative during business hours.
- Mail payments should be sent to the address on your statement and take seven to ten business days to post.
- Paying at least your minimum payment by the due date prevents late fees and protects your credit score from damage.
- Setting up automatic payments from your bank account ensures you never miss a due date.
Paying online through your account
Log into your Credit One account at creditonebank.com using your username and password. If you do not have an online account, you can set one up on the same page by providing your card number, Social Security number, and date of birth. Once logged in, look for "Make a Payment" or "Pay Now" in the main menu.
You will be asked to choose a payment amount and a payment date. You can pay your full balance, your minimum payment, or any amount in between. If you choose a future date, the payment will post on that date as long as it is at least one business day away. The bank does not charge a fee for online payments made from a bank account or debit card.
After you submit the payment, you will receive a confirmation number on screen. Write this down or take a screenshot. The payment will show as pending in your account when ready and will post (become official) within one business day.
Paying by phone
Call Credit One's payment line at 1-800-955-9060. You will need your card number and the bank account or debit card you want to pay from. The automated system will walk you through selecting your payment amount and confirming the payment date.
If you prefer to speak with a representative, you can request one during the call. Representatives are available Monday through Friday, 8 a.m. to 11 p.m. Eastern Time, and Saturday and Sunday, 9 a.m. to 8 p.m. Eastern Time. Phone payments process when ready, meaning the bank receives and records them right away, though they may take one business day to show in your account.
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 your billing address and is designed to speed processing.
Mail payments take seven to ten business days to arrive and post. If your due date is approaching, mail is the slowest option and risks a late payment if the check does not arrive by the important date. For this reason, mail works best when you are paying early or when you have already set up a backup payment method.
Setting up automatic payments
Automatic payments remove the risk of missing your due date. Log into your account at creditonebank.com, find the "Autopay" or "Automatic Payments" section, and enter your bank account details. You can choose to pay your full balance, your minimum payment, or a fixed dollar amount each month on your due date.
You can change or cancel automatic payments anytime through your account. If you cancel, you will need to make payments manually going forward. Automatic payments from a bank account carry no fee. If you set up autopay using a debit card, confirm whether Credit One charges a fee — some banks do for card-based autopay.
What happens if you miss a payment
A payment is late if it is not received by 5 p.m. Eastern Time on your due date. Credit One will charge a late fee, typically between $25 and $35 depending on your account terms. More importantly, a late payment stays on your credit report for seven years and damages your credit score when ready.
If you miss a payment by more than 30 days, Credit One will report it to the credit bureaus. If you are unable to make a payment by your due date, call the bank at 1-800-955-9060 as soon as possible. Representatives can sometimes work out a short extension or discuss hardship options, though this is not may provide.
Paying more than your minimum
Your minimum payment covers interest and a small portion of principal, but paying only the minimum means you will carry your balance for years and pay far more in interest. Paying more than the minimum reduces your balance faster and saves you money.
For example, a $2,000 balance at 24% APR with only minimum payments takes roughly five years to pay off and costs over $2,500 in interest. The same balance paid at $200 per month takes about 11 months and costs roughly $400 in interest. You can make extra payments anytime through your online account or by phone at no charge.
Frequently Asked Questions
Can I pay my Credit One card with a different bank account than the one I used to open the card?
Yes. When you make a payment online or by phone, you can enter any bank account or debit card you have access to. The account does not have to be in your name, though you should confirm the account holder is willing to send money on your behalf.
What if I pay online but the payment does not show up in my account?
Online payments post within one business day. If more than one business day has passed and the payment does not appear, log back into your account and look for a confirmation number from your original payment. If you have the confirmation number, the payment was received. If you cannot find it, call 1-800-955-9060 with your card number and the date you attempted to pay.
Can I make a payment before my statement closes?
Yes. You can make a payment anytime, even before your statement closes. Payments reduce your balance when ready, which lowers the interest charged on your next statement. Paying early is one of the fastest ways to reduce what you owe.
Is there a fee for paying by phone or online?
No fee applies when you pay from a bank account or debit card through the official Credit One channels (online portal or 1-800-955-9060). Third-party payment services that claim to process Credit One payments may charge fees — use only the methods listed on your statement.
What if I cannot afford to pay my full balance?
Pay at least your minimum payment by the due date to avoid a late fee and credit damage. Then pay as much as you can toward the balance in the following weeks. If you are struggling with the debt, call Credit One at 1-800-955-9060 to discuss your situation — the bank may offer hardship programs or payment plans in some cases.