Chase offers four main ways to pay your credit card 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. Eastern. Mailing a check takes 7 to 10 business days to reach Chase's processing center, so plan ahead if your due date is soon. In-person payments at a Chase branch are when ready but only available during branch hours.
Your payment must reach Chase by 5 p.m. Eastern on your due date to avoid a late fee. If you pay after that time, it posts the next business day. Weekends and holidays do not stop the clock — if your due date falls on a Saturday, Chase expects payment by Friday.
Key Takeaways
- Online payment through Chase.com or the mobile app is the fastest method and lets you choose a specific payment date up to 15 days in advance.
- Phone payments (1-800-935-9935) process the same business day if you call before 8 p.m. Eastern, but you will need your account number and routing information ready.
- Mailed checks must be sent to the address on your statement and take 7 to 10 business days, so send them at least two weeks before your due date.
- Payments posted after 5 p.m. Eastern on your due date count as late, even if you initiated the payment on time.
Paying Online Through Chase.com or the Mobile App
Log into your Chase account on Chase.com or open the Chase Mobile app, then select your credit card account. Choose "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Select the date you want the payment to come from your bank account; Chase lets you choose any date up to 15 days in the future.
You will need to link a bank account first if you have not already. Chase will ask for your bank's routing number and your account number. You can find both on a check from that account, or log into your bank's website to locate them. Once linked, that account stays on file for future payments.
After you confirm the payment, Chase shows you a confirmation number. Save or screenshot this number — it proves you made the payment on time if there is ever a dispute. The payment posts to your credit card account on the date you selected, as long as it is a business day. If you choose a weekend or holiday, Chase moves the payment to the next business day.
Paying by Phone
Call Chase at 1-800-935-9935 to pay by phone. Have your credit card number, Social Security number, and the bank account you want to pay from ready. You can use the automated system or speak to a representative — both methods work the same way.
If you call before 8 p.m. Eastern on a business day, your payment posts that same day. Calls after 8 p.m. or on weekends and holidays are processed the next business day. Like online payments, you can schedule a payment up to 15 days in advance, or pay when ready.
Phone payments do not generate a confirmation number the way online payments do. Ask the representative for a confirmation code or reference number, and write it down. If you use the automated system, listen for the confirmation number at the end of the call and save it.
Paying by Mail
Write a check for the amount you want to pay and mail it to the address printed on your credit card statement. Do not send cash. Include your account number on the check's memo line so Chase can match the payment to your account.
Mail takes 7 to 10 business days to reach Chase's processing center, depending on where you mail it from and where it is going. If your due date is fewer than 10 days away, mailing a check is risky — it may not arrive in time. Send mailed payments at least two weeks before your due date to be safe.
Keep a record of when you mailed the check. If Chase reports a late payment and you have proof you mailed it on time, you can dispute the late fee. Take a photo of the envelope with the postmark, or ask for a receipt from the post office.
Paying in Person at a Chase Branch
Visit any Chase branch during business hours and tell a teller you want to make a credit card payment. Bring your credit card or account number. You can pay with cash, a check, or a debit card. The payment posts to your account when ready.
This method is useful if you need to pay urgently and do not have online access, or if you prefer handling money in person. However, branch hours are limited — most branches close by 6 p.m. on weekdays and are closed on Sundays. If your due date is a Sunday and you cannot pay online or by phone, paying in person on Friday or Saturday is your only option to avoid a late fee.
Setting Up Automatic Payments
If you want Chase to withdraw your payment automatically each month, set up autopay through Chase.com or the mobile app. Go to "Manage Autopay" under your account settings. Choose the amount — you can autopay your full balance, minimum payment, or a fixed dollar amount. Select the date each month when you want the payment to come out.
Autopay is useful if you want to avoid missing a due date, but it means money leaves your bank account on a fixed schedule whether you are ready or not. If your income varies month to month, you may want to keep autopay off and pay manually so you can adjust the amount based on what you have available.
You can change or cancel autopay anytime through the same menu. If you cancel, you go back to making manual payments, and you are responsible for paying by the due date.
What Happens if Your Payment Is Late
If your payment does not reach Chase by 5 p.m. Eastern on your due date, Chase charges a late fee. The amount depends on your card's terms, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more.
A late payment also triggers a higher interest rate on your card, called a penalty rate. This rate stays in place for at least six months, even after you catch up on payments. After six months of on-time payments, Chase may lower your rate back to normal, but there is no may provide.
Late payments also report to the credit bureaus and damage your credit score. The impact is largest in the first 30 days and fades over time, but a late payment can stay on your credit report for up to seven years.
Frequently Asked Questions
Can I pay my Chase credit card with a different bank's debit card?
No. Chase only accepts payments from a linked bank account, not from debit cards or credit cards. You must provide your bank's routing number and account number to set up a payment method. If you do not have a bank account, you can pay in person at a Chase branch with cash or a debit card.
What if I pay more than my balance?
Chase holds the overpayment as a credit on your account. Your next statement will show a negative balance, meaning you owe nothing. You can use that credit toward future purchases, or request that Chase send you a refund check. Refunds typically take 7 to 10 business days.
Does paying early hurt my credit score?
No. Paying early or paying more than the minimum has no negative effect on your credit. In fact, paying your full balance before the statement closing date keeps your credit utilization low, which helps your credit score.
How do I know if my payment went through?
Log into Chase.com or the mobile app and check your account. Payments usually show up within one business day. You can also look at your bank account to confirm the money left your checking or savings account. Keep your confirmation number from the payment for your records.
What if I cannot pay the full balance?
You can pay any amount, including just the minimum payment shown on your statement. However, any balance you do not pay will be charged interest at your card's APR. Paying only the minimum means you carry a balance and pay interest each month until it is paid off.