Paying your Penneys credit card bill online, by phone, or by post
You can pay your Penneys credit card through Penneys' online portal, by telephone, or by sending a cheque by post. The online method is fastest — payments usually show within one business day. Phone payments take the same time but require you to have your card details and bank information ready. Post takes seven to ten business days, so use it only if you cannot access the other methods.
Penneys credit card payments go to a specific account that depends on how you hold the card. If you have a Penneys store card (issued by Penneys directly), payments route through their own system. If you have a Penneys Mastercard (issued by a bank partner), payments go to that bank's payment centre. Knowing which card you hold matters because the payment address and online portal differ between them.
Key Takeaways
- Online payment through the Penneys website or your bank's app is the fastest method and shows in your account within one business day.
- Phone payments require your card number and bank details but take the same time as online payments.
- Post payments take seven to ten business days and should only be used if online and phone options are not available to you.
- Your payment address depends on whether you hold a Penneys store card or a Penneys Mastercard, so check your statement to confirm which type you have.
- Setting up automatic payments prevents missed due dates and can help you avoid late fees.
Paying online through the Penneys website
Log into your Penneys account on the Penneys website using your email address and password. Navigate to the "My Account" or "Manage My Card" section — the exact label varies depending on whether you hold a store card or Mastercard. You will see your current balance, minimum payment due, and due date. Select "Make a Payment" and enter the amount you wish to pay.
You will then enter your bank details: your account number, sort code, and the name on the account must match your bank records exactly. Penneys uses these details to pull the payment from your bank account. Once you confirm, the payment is submitted when ready. You will receive a confirmation number on screen and usually by email within a few minutes. The funds typically leave your bank account within one business day.
Paying by phone
Call the customer service number on the back of your Penneys credit card. Have your card number, expiry date, and security code ready, along with your bank account number and sort code. The representative will ask you to confirm your identity — usually your date of birth and the last four digits of your card. They will then ask how much you want to pay and process the payment through the phone system.
Phone payments are processed the same way as online payments and show in your account within one business day. Keep the confirmation number the representative gives you. If you do not receive a confirmation email within 24 hours, call back with that number to verify the payment went through.
Paying by post
Write a cheque payable to Penneys and include a remittance slip — this is the tear-off section at the bottom of your statement that shows your account number and balance. If you do not have a remittance slip, write your card number and name on the back of the cheque. Post the cheque to the address shown on your statement. Do not send cash by post.
Postal payments take seven to ten business days to clear, so allow extra time if your due date is approaching. If your payment arrives after the due date, you may be charged a late fee even though you posted it on time. For this reason, post is the least reliable method and should be used only if you cannot pay online or by phone.
Setting up automatic payments
Both the Penneys website and your own bank's app allow you to set up standing orders or automatic payments. Through Penneys, log into your account, find the "Payments" or "Manage Payments" section, and select "Set Up Automatic Payment". You can choose to pay the full balance, the minimum payment, or a fixed amount each month on a date you select.
Through your bank, you can set up a standing order to the Penneys payment address shown on your statement. This method gives you more control over the exact date and amount but requires you to update it manually if you want to change the payment. Automatic payments prevent missed due dates and the late fees that follow. If your balance varies month to month, set the automatic payment to cover at least the minimum to avoid charges.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, Penneys will charge a late fee. The amount varies but is typically between £5 and £12 depending on your card terms. A missed payment also appears on your credit file and can lower your credit score. If you know you will miss a due date, contact Penneys before the date arrives — they may be able to extend the important date or arrange a payment plan.
If you have set up automatic payments and your bank account does not have enough funds on the payment date, the payment will fail and you will be charged a late fee plus a returned payment fee from your bank. Check your account balance a few days before the automatic payment date to avoid this.
Paying off your balance faster
If you want to reduce what you owe more quickly, you can make payments more often than once a month. Pay online or by phone as many times as you need — there is no limit on the number of payments you can make. Each payment reduces your balance when ready and lowers the interest you pay on the remaining balance.
Interest on Penneys credit cards accrues daily on any balance you carry, so paying more frequently saves money. If you can pay the full statement balance before the due date, you will not be charged any interest at all. Check your statement to see your interest rate and current balance so you know how much interest you are paying each month.
Frequently Asked Questions
How long does it take for a payment to show on my account?
Online and phone payments usually show within one business day. Post payments take seven to ten business days. If your payment does not appear within these timeframes, contact Penneys customer service with your confirmation number.
Can I pay my Penneys card through my bank's app?
Yes, if you have a Penneys Mastercard. Log into your bank's app, select "Pay Bills" or "Payments", and enter the Penneys payment address from your statement. Store card payments must go through the Penneys website or by phone.
What is the minimum payment and when is it due?
Your minimum payment and due date appear on your statement each month. The minimum is usually a small percentage of your balance — paying only the minimum means you will pay interest and take longer to clear the debt. Paying more than the minimum reduces interest charges.
What if I pay after the due date?
You will be charged a late fee, usually between £5 and £12. The late payment also appears on your credit file for six years. If you are more than 30 days late, Penneys may suspend your card and report the debt to a credit reference agency.
Can I set up a payment plan if I cannot afford the full balance?
Contact Penneys customer service before your payment is due. They may be able to arrange a reduced payment plan or extend your due date. The sooner you contact them, the more options you may have.