Chase offers four main ways to pay your bill: online through their website or mobile app, by phone, by mail, or in person at a Chase branch
The fastest and most common method is online payment through Chase.com or the Chase Mobile app. You can set up a one-time payment or recurring automatic payments. Phone payments go through Chase's automated system or a representative, and take effect the same business day if you call before the cutoff time (usually 8 p.m. ET). Mailing a check takes 7 to 10 business days to reach Chase, so plan ahead if your due date is near. In-person payments at a Chase branch are when ready but only work if you have a branch nearby and can visit during business hours.
The method you choose affects when Chase records your payment. Online and phone payments typically post within one business day. Mailed checks take longer because of mail delivery time plus Chase's processing time. Knowing your due date and the posting timeline helps you avoid late fees, which Chase charges if payment arrives after 11:59 p.m. ET on the due date.
Key Takeaways
- Online payments through Chase.com or the Chase Mobile app are the fastest method and post within one business day.
- Phone payments made before 8 p.m. ET typically post the same business day, while mailed checks take 7 to 10 business days.
- You can set up automatic recurring payments so your bill pays on a date you choose each month, reducing the risk of missing a due date.
- Late payments trigger a fee and can raise your interest rate, so paying by the due date matters even if you pay the minimum.
Paying online through Chase.com or the mobile app
Log into your Chase account at Chase.com, select your credit card, and look for "Make a Payment" or "Pay Now". Enter the amount you want to pay and choose the date you want the payment to leave your bank account. Chase will show you a confirmation screen with the payment amount, the date it will post to your card, and your new balance. Review this information before confirming, because once you submit, the payment is scheduled.
The Chase Mobile app follows the same steps. Open the app, tap your credit card account, and select "Pay". You can pay from any bank account you've linked to your Chase profile. If you haven't linked a bank account yet, Chase will ask you to enter your routing number and account number. This takes a few minutes the first time but only needs to happen once.
One-time payments and automatic payments work the same way online. For automatic payments, choose "Set up autopay" instead of "Make a payment", pick the amount (minimum payment, statement balance, or a fixed amount you choose), and select the date each month. Chase will deduct that amount automatically on the date you pick, so you don't have to remember to pay.
Paying by phone
Call the number on the back of your Chase credit card. The automated system will ask for your card number and the amount you want to pay. If you prefer to speak to a representative, press the option for that during the menu. Phone payments must be made from a bank account; you cannot pay with another credit card over the phone.
The cutoff time for same-day posting is usually 8 p.m. ET on business days. If you call after 8 p.m. or on a weekend, your payment will post the next business day. Have your bank account information ready when you call, including your routing number and account number. Chase will confirm the payment amount and posting date before you hang up.
Paying by mail
Write a check to Chase and mail it to the address printed on your statement. Do not mail a check to a Chase branch; use the mailing address on your bill. Include your account number on the check so Chase can match it to your account. Mail your check at least 10 days before your due date to account for delivery and processing time.
Mailed payments are the slowest method because the check must travel through the postal system, then be received and processed by Chase. If your due date is within a week, mailing is not a reliable option. Keep a record of when you mailed the check and the amount in case you need to follow up. Consider using online or phone payment instead if you are close to your due date.
Paying in person at a Chase branch
Walk into any Chase branch with your credit card and ask to make a payment. Bring a form of identification and let the teller know the amount you want to pay. The payment posts when ready to your account. This method works only if you have a Chase branch nearby and can visit during business hours, which limits its usefulness for most people.
In-person payments are useful if you prefer to handle money face-to-face or if you have questions about your account that a teller can answer. However, for regular monthly payments, online or phone methods are more convenient because they do not require you to travel to a branch location.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the need to remember your due date each month. Through Chase.com or the app, select "Set up autopay" on your credit card account. Choose whether you want to pay the minimum payment, the full statement balance, or a fixed amount you set. Pick the date each month when you want the payment to come out of your bank account.
Many people set autopay to the full statement balance so they never carry a balance and never pay interest. Others set it to a fixed amount if they want to control how much leaves their account each month. You can change or cancel autopay at any time through your Chase account, and you can make additional one-time payments on top of your autopay amount if needed.
What happens if you miss a payment or pay late
Chase charges a late fee if your payment arrives after 11:59 p.m. ET on your due date. The fee amount depends on your card and your account history, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more. Late fees appear on your next statement.
A late payment also triggers a higher interest rate on your card, called a penalty rate. This rate applies to new purchases and any existing balance. The penalty rate stays in place for at least six months, even if you pay on time after that. Paying by the due date is the simplest way to avoid both the fee and the rate increase.
Frequently Asked Questions
Can I pay my Chase credit card with another credit card?
No. Chase does not accept credit card payments over the phone, online, or by mail. You must pay from a bank account, either through online banking, phone, or by mailing a check. Paying with another credit card would count as a cash advance on that card and trigger cash advance fees and interest.
How do I know if my payment posted?
Log into your Chase account online or through the app and check your account balance and recent transactions. Online and phone payments typically post within one business day. You can also call the number on the back of your card to speak to a representative who can confirm the payment status.
What if I pay more than my statement balance?
The extra amount becomes a credit on your account. Chase will explore it to your next month's balance, or you can request a refund. If you set up autopay for more than your statement balance, adjust the autopay amount or make a one-time payment instead to avoid overpaying each month.
Can I schedule a payment for a future date?
Yes. When you make a payment online or through the app, you choose the date you want the payment to leave your bank account. You can schedule a payment up to several weeks in advance. This is useful if you want to time your payment with when you receive income.
What time does my autopay payment come out of my bank account?
Chase does not specify an exact time. Autopay payments come out on the date you choose, but the time varies. Plan for the payment to leave your account sometime during that day, so make sure you have enough funds in your bank account by that date.