Pay your Golden 1 card online, by phone, or by mail
Golden 1 Credit Union offers three ways to pay your card balance: through their online banking portal, by calling their payment line, or by mailing a check. The online method is fastest and shows your payment when ready. Phone payments take effect the same business day if you call before the cutoff time. Mail payments typically post within five to seven business days after Golden 1 receives them.
You will need your card number and either your online banking login or the account information printed on your statement to make a payment through any method. If you are paying by mail, you will also need to know where to send the check and what account number to write on it.
Key Takeaways
- Online payments through Golden 1's website or mobile app post when ready and are the fastest way to pay your balance.
- Phone payments can be made by calling Golden 1's payment line and take effect the same business day if submitted before the cutoff time.
- Mail payments require you to send a check to Golden 1's payment processing address and typically post within five to seven business days.
- You can set up automatic recurring payments through online banking so your balance is paid on the same date each month.
Pay online through Golden 1's website or mobile app
Log in to your Golden 1 online banking account at golden1.com or through the Golden 1 mobile app. Once you are logged in, look for a "Payments" or "Pay Bills" section in the main menu. Select your credit card account from the list of accounts.
Enter the amount you want to pay and choose your payment date. Golden 1 allows you to pay when ready or schedule a payment for a future date. Review the payment details to confirm the amount and account are correct, then submit the payment. Your payment will post to your account right away if you submit it during business hours.
If you do not have an online banking account yet, you can create one by visiting golden1.com and selecting "Enroll" or "Sign Up." You will need your card number, Social Security number, and date of birth to set up the account.
Pay by phone
Call Golden 1's automated payment line at the number on the back of your credit card. You will be prompted to enter your card number and the amount you want to pay. The system will confirm the payment details and provide you with a confirmation number.
Payments made by phone are processed the same business day if you call before Golden 1's cutoff time, which is typically in the evening. If you call after the cutoff or on a weekend or holiday, your payment will be processed the next business day. Keep your confirmation number for your records.
If you prefer to speak with a representative instead of using the automated system, you can call Golden 1's customer service line during business hours and ask to make a payment over the phone.
Pay by mail
Write a check for the amount you want to pay and include your account number on the check. Mail your check to the address listed on your Golden 1 statement or on the back of your credit card. Do not send cash through the mail.
Mail payments typically take five to seven business days to post after Golden 1 receives them. To avoid late fees, mail your payment at least ten business days before your due date. If you are close to your due date, use online or phone payment instead to may support your payment posts on time.
Set up automatic payments
Automatic payments remove the need to remember your due date each month. Log in to your Golden 1 online banking account and look for the "Automatic Payments" or "Recurring Payments" section. Select your credit card account and choose the amount you want to pay automatically each month.
You can set up automatic payments for your full balance, a fixed dollar amount, or the minimum payment. Choose the date each month when you want the payment to be deducted from your checking account. Golden 1 will process the payment automatically on that date each month until you cancel it.
If your balance varies month to month, paying your full balance automatically ensures you never carry a balance and never miss a due date. You can change or cancel automatic payments at any time through your online banking account.
What to do if your payment is late
If your payment does not arrive by your due date, contact Golden 1 when ready. Call the number on the back of your card and explain that your payment is late. Golden 1 may be able to reverse a late fee if you have a good payment history and this is your first late payment.
Late payments can affect your credit score and may trigger a higher interest rate on your card. To prevent this, make your next payment as soon as possible. If you are having trouble making your payment, contact Golden 1 to discuss your options.
Frequently Asked Questions
How do I know if my payment went through?
Log in to your Golden 1 online banking account and check your recent transactions. You should see your payment listed with the date it posted. If you paid by phone, check your confirmation number. If you paid by mail, wait five to seven business days and then check your account.
Can I pay my Golden 1 card from another bank's account?
Yes. You can set up a transfer from your checking account at another bank to your Golden 1 credit card. Contact Golden 1 to get your payment processing address and account number, then set up the transfer through your other bank's online banking system.
What is the minimum payment and when is it due?
Your minimum payment and due date are listed on your monthly statement. The due date is typically the same day each month. Paying only the minimum will result in interest charges on your remaining balance, so paying your full balance is recommended.
Can I make a payment if I do not have online banking?
Yes. You can pay by phone or by mail without setting up online banking. Call the number on the back of your card to pay by phone, or mail a check to the address on your statement. Online banking is optional but makes payments faster and easier.
What happens if I overpay my balance?
If you pay more than your balance, Golden 1 will hold the extra amount as a credit on your account. You can use this credit toward future purchases, or contact Golden 1 to request a refund of the overpayment.