How to pay your Milestone Card bill online or by phone
Milestone Card payments can be made through their online portal, by phone, or by mail. The fastest method is logging into your account at milestonecreditcard.com and paying directly from there — the payment posts within one business day. If you prefer to call, the customer service number is on the back of your card, and a representative can process a payment over the phone in minutes. Mail payments take seven to ten business days to reach the processing center, so use this method only if you are paying well ahead of your due date.
You will need your account number and either a checking account, savings account, or debit card to make a payment. Have your routing and account numbers ready if you are paying by bank transfer, or your card number and expiration date if you are paying by debit card. The payment amount is up to you — you can pay the full balance, the minimum due, or any amount in between.
Key Takeaways
- Online payments through milestonecreditcard.com post within one business day and are the fastest way to pay.
- Phone payments can be made by calling the number on the back of your card and take effect the same day you call.
- Mail payments take seven to ten business days, so only use this method if your due date is more than two weeks away.
- You can pay any amount from the minimum due to your full balance, and payments are applied to your account when ready after processing.
- Late fees explore if your payment does not arrive by the due date shown on your statement, regardless of the payment method you choose.
Paying online through your Milestone account
Log in to milestonecreditcard.com using your username and password. If you do not have an online account yet, you will need to set one up first — you can do this on the same website by clicking "Register" and following the prompts. You will need your card number, Social Security number, and date of birth to create an account.
Once you are logged in, look for a link or button labeled "Make a Payment" or "Pay Now." Click it and enter the amount you want to pay. You will then be asked to choose your payment method: bank account or debit card. If you choose bank account, enter your routing number and account number. If you choose debit card, enter the card number, expiration date, and CVV. Review the details, confirm the payment, and you will see a confirmation number on screen. The payment will post to your account within one business day.
Keep the confirmation number for your records. If you do not see the payment reflected in your account within two business days, contact Milestone customer service at the number on your card to confirm it was processed.
Paying by phone
Call the customer service number printed on the back of your Milestone Card. A representative will answer and ask for your account number or the phone number associated with your account. Tell them you want to make a payment and provide the amount.
The representative will ask you to confirm your payment method. You can pay from a checking or savings account (you will need to provide your routing and account numbers) or from a debit card (you will need the card number, expiration date, and CVV). Once you provide this information, the representative will process the payment and give you a confirmation number. Write down this number and the date and time of your call. Phone payments are usually applied to your account the same day you call, though it may take until the next business day to show in your online account.
Paying by mail
Write a check or money order payable to Milestone Credit Card. Do not send cash. Include a payment stub from your statement if you have one — this helps the processing center match the payment to your account quickly. If you do not have a stub, write your account number on the check or money order itself.
Mail your payment to the address shown on your statement under "Payment Address" or "Make Checks Payable To." This address is different from the mailing address for questions or disputes, so check your statement carefully. Mail payments take seven to ten business days to arrive and be processed, so send your payment at least two weeks before your due date to avoid a late fee.
Keep a copy of the front and back of your check or a photo of your money order for your records. If your payment does not appear in your account within two weeks, contact Milestone to confirm it was received.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, Milestone will charge a late fee. The amount of this fee varies but is typically between $25 and $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.
If you realize you will miss a due date, contact Milestone as soon as possible. Some cardholders have been able to negotiate a waived fee or a brief extension, especially if it is your first late payment. Calling before the due date passes gives you the best chance of working something out. After the due date has passed, your options are more limited.
Setting up automatic payments
You can set up automatic payments through your online account so that a payment is deducted from your bank account on the same date each month. Log in to milestonecreditcard.com, find the "Automatic Payments" or "Recurring Payments" section, and enter your bank account details and the amount you want to pay each month. You can choose to pay the minimum due, a fixed amount, or your full balance each month.
Automatic payments reduce the risk of missing a due date, but you are still responsible for making sure the amount is correct and that your bank account has enough money to cover it. If your bank account does not have sufficient funds on the payment date, the payment will fail and you may be charged an overdraft fee by your bank in addition to a late fee by Milestone. You can change or cancel automatic payments at any time through your online account.
Frequently Asked Questions
Can I pay my Milestone Card with a credit card?
No. Milestone only accepts payments from a checking or savings account, or from a debit card. Paying a credit card with another credit card is not allowed by most card issuers and can trigger cash advance fees and higher interest rates.
What if I pay more than my balance?
The extra amount becomes a credit on your account. You can use this credit toward your next month's purchases, or you can request that Milestone send you a refund check. Contact customer service to request a refund if you prefer not to carry a credit balance.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Mail payments take longer to verify. Log into your account a few days after paying to confirm the payment appears. If it does not show within the expected timeframe, call the number on your card to check the status.
Can I pay my bill before the due date?
Yes. You can pay your bill at any time, and paying early reduces the interest you owe on your balance. There is no penalty for paying early, and the payment will post to your account according to the method you choose.
What is the difference between the due date and the statement date?
The statement date is when Milestone closes your billing cycle and creates your bill. The due date is when your payment must arrive to avoid a late fee — this is usually 21 to 25 days after the statement date. Both dates appear on your statement.