Pay your Credit One card through their online portal or by phone
Credit One Bank lets you make payments online through their cardholder portal, by phone, or by mail. The online method is fastest — you can log in, enter a payment amount, and schedule it to go through on a date you choose. Payments made online typically post within one to two business days.
You will need your Credit One account number and routing information for your bank account (if paying from a checking or savings account). If you are paying by debit card, you will need that card's number and expiration date instead.
Key Takeaways
- Log into your Credit One account at creditonebank.com and select "Make a Payment" to pay online without calling.
- You can schedule a payment for a future date or pay when ready, and most online payments post within one to two business days.
- Payments by phone go through the same day if made before the cutoff time, usually around 8 p.m. Eastern.
- Credit One accepts payments from checking or savings accounts, debit cards, or money orders sent by mail.
- Set up automatic recurring payments if you want the same amount deducted on the same day each month.
Steps to pay online through the Credit One portal
Go to creditonebank.com and click "Login" in the top right corner. Enter your username and password. If you do not have an online account yet, you will need to create one first — you can do this from the same login page by selecting "Enroll Now" and following the prompts with your card number and Social Security number.
Once logged in, look for "Make a Payment" or "Payments" in the main menu. Select the account you want to pay (if you have more than one Credit One card). Enter the payment amount — you can pay the full balance, the minimum due, or any amount in between. Choose the date you want the payment to go through. Review the details and click "Confirm" or "Submit Payment."
You will see a confirmation number on screen. Write it down or take a screenshot. Credit One will also send a confirmation email to the address on file. Keep this for your records.
What bank information you need to provide
If you are paying from a bank account, have your routing number and account number ready. You can find both on the bottom left of any check from that account. The routing number is the first nine digits; the account number follows. Do not include the check number.
If you are paying with a debit card instead, you will need the card number, expiration date, and CVV (the three-digit code on the back). Credit One charges a convenience fee for debit card payments — the amount varies but is typically $1 to $3. Paying from a bank account has no fee.
Paying by phone if you cannot use the website
Call Credit One's customer service line at 1-877-825-3242. Have your account number and the payment amount ready. A representative will walk you through the payment process and confirm the date it will post. Payments made by phone before 8 p.m. Eastern typically post the same business day; payments after that time post the next business day.
You will receive a confirmation number by phone. Write it down when ready. Ask the representative to email or mail a written confirmation if you want a record beyond the verbal confirmation.
Setting up automatic payments each month
Automatic payments remove the need to log in and pay manually each month. In your Credit One online account, look for "Autopay" or "Automatic Payments" in the settings or account management section. Select the account, choose the payment amount (minimum due, full balance, or a fixed amount), and pick the day of the month you want it to go through.
Credit One will deduct that amount from your bank account on the date you choose, every month, until you cancel. You can change or stop automatic payments anytime by logging back into your account or calling customer service. If you set autopay to the full balance, your bill will be paid in full each month automatically.
Paying by mail if you prefer not to go online
Write a check or money order payable to Credit One Bank. Include your account number on the check or money order. Mail it to the address shown on your statement — this address changes based on where payments are processed, so always use the one printed on your bill.
Mail payments take seven to ten business days to arrive and post. If your payment is due soon, do not rely on mail. Payments postmarked after the due date may be considered late even if they arrive within a few days.
What to do if your payment does not post
Check your online account two business days after you made the payment. If it still shows as pending or has not appeared, log in and look for a transaction history or payment status page. Most online payments post within this window.
If more than two business days have passed and the payment has not posted, call Credit One at 1-877-825-3242. Have your confirmation number ready. A representative can check the status and tell you whether the payment is in process or if there was an error. If the payment failed due to insufficient funds or incorrect account information, you will need to make a new payment right away to avoid a late fee.
Frequently Asked Questions
Can I pay my Credit One card with a credit card from another bank?
No. Credit One does not accept payments from other credit cards. You can pay with a debit card, checking or savings account, money order, or check. Paying with a debit card incurs a convenience fee, usually $1 to $3.
What time does Credit One stop taking online payments each day?
Online payments can be submitted anytime through the website, but the cutoff for same-day posting is typically around 8 p.m. Eastern. Payments submitted after that time post the next business day. Payments scheduled for a future date will post on that date regardless of what time you submit them.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount between the minimum due and your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster, but you are not required to pay the full balance each month.
How long does it take for a payment to show up as posted?
Online payments typically post within one to two business days. Phone payments post the same day if made before 8 p.m. Eastern, or the next business day if made after. Mail payments take seven to ten business days. Weekends and holidays do not count as business days.
What happens if I miss the due date?
A late fee will be added to your account, usually $25 to $40 depending on your card terms. Your interest rate may also increase. Make a payment as soon as you realize you missed the due date to limit additional charges. Contact Credit One if you are having trouble making payments — they may have options to discuss.