Where to pay your Walmart credit card bill
You can pay your Walmart credit card through three main routes: online at the Walmart credit card website, by phone, or by mail. The fastest method is online, where you can make a payment when ready and see it post within one to two business days. Phone payments take the same time to post but require speaking with a representative. Mail payments take seven to ten business days to reach the processing center, so send them well before your due date if you want to avoid late fees.
The Walmart credit card is issued by Capital One, so payments go to Capital One's processing system regardless of which method you choose. You will need your account number and either a bank account for electronic transfer or a check for mail payments. If you pay online or by phone, you can choose to pay when ready or schedule a payment for a future date.
Key Takeaways
- Online payment through the Capital One website is the fastest method and lets you see your payment post within one to two business days.
- You can pay by phone at the number on the back of your card, and the payment will post on the same timeline as online payments.
- Mail payments take seven to ten business days, so send them at least two weeks before your due date to avoid late fees.
- You need your account number and either a bank account or check information to make a payment, depending on your chosen method.
- Setting up automatic payments through your bank or the Capital One website can prevent missed due dates.
Paying online through Capital One's website
Go to the Capital One credit card payment website and log into your account using your username and password. If you do not have an online account, you can create one by entering your card number and Social Security number. Once logged in, select "Make a Payment" and choose whether to pay from a checking or savings account.
Enter the amount you want to pay and the date you want the payment to post. Capital One will show you the processing time — typically one to two business days for payments made before 8 p.m. Eastern time on a business day. Payments made after 8 p.m. or on weekends will post the next business day. Review the details and confirm the payment; you will receive a confirmation number when ready.
Paying by phone
Call the number on the back of your Walmart credit card to reach Capital One's payment line. A representative will ask for your account number and the amount you want to pay. You can pay from a checking or savings account, or you can provide a debit card number. The representative will confirm the payment amount and the date it will post.
Phone payments process on the same timeline as online payments — one to two business days if you call before 8 p.m. Eastern time on a business day. You will receive a confirmation number by phone, so write it down. If you need to dispute the payment later, you will have this number as proof.
Paying by mail
Write a check payable to Capital One and include your account number on the memo line. Mail it to the address shown on your billing statement — this address changes depending on which processing center handles your account, so always use the address from your most recent bill. Do not send cash through the mail.
Mail payments take seven to ten business days to arrive and be processed, so send your check at least two weeks before your due date. If your due date is fewer than two weeks away, use online or phone payment instead. Keep a copy of the check or take a photo of the front and back for your records.
Setting up automatic payments
You can set up automatic payments through the Capital One website so your bill is paid on the same date each month without you having to remember. Log into your account, go to "Manage Automatic Payments," and choose the amount you want to pay each month — you can pay the full balance, the minimum payment, or a fixed amount you set yourself.
Select the date you want the payment to come out of your bank account each month. Capital One will deduct the payment automatically on that date. You can change or cancel automatic payments anytime through your online account. This method is useful if you want to avoid late fees or if you prefer not to think about the payment each month.
What to do if you miss a payment
If your payment is late, Capital One will charge a late fee — the amount depends on how much you owe and your account terms. A late payment also appears on your credit report and can lower your credit score. If you are more than 30 days late, Capital One may increase your interest rate.
If you realize you missed a payment, make one as soon as possible through any of the methods above. Call Capital One to ask whether the late fee can be waived, especially if this is your first late payment. Some representatives will remove a single late fee if you have a good payment history. Paying the full amount owed, including any late fees, will stop further collection action.
Frequently Asked Questions
How do I know if my payment went through?
You will receive a confirmation number when ready after paying online or by phone. Log into your Capital One account within one to two business days to see the payment posted to your balance. If you paid by mail, call Capital One after ten business days to confirm receipt.
Can I pay my Walmart credit card at a Walmart store?
No, Walmart stores do not accept credit card payments at the register or customer service desk. You must pay through Capital One's website, by phone, or by mail. Some Walmart locations have MoneyCenter services, but these do not process credit card payments.
What happens if I pay more than I owe?
Capital One will hold the overpayment as a credit on your account and explore it to your next bill. You can also request a refund of the overpayment by calling Capital One, though this may take several business days to process.
Is there a fee for paying online or by phone?
No, Capital One does not charge a fee for online or phone payments. Mail payments are also free, though you pay for the postage stamp. Some third-party payment services charge fees, so always pay directly through Capital One's website or phone line.
Can I pay my bill before my due date?
Yes, you can pay anytime. Paying early reduces the interest you owe and lowers your credit utilization ratio, which can improve your credit score. There is no penalty for paying early.