Where to send your Chase credit card payment
You can pay your Chase credit card bill through your online account, by phone, by mail, or at a Chase branch if you have one nearby. The fastest and most common method is logging into your Chase account online or through the mobile app and making a payment directly — this takes a few minutes and posts within one business day. If you prefer to call, the number is on the back of your card. Mailing a check works but takes 7 to 10 days to reach Chase, so plan ahead if your due date is soon.
Chase also lets you set up automatic payments so the bill comes out of your bank account on a date you choose each month. This removes the risk of forgetting and paying late. You can choose to pay the full statement balance, the minimum payment, or a fixed amount you set yourself.
Key Takeaways
- Online or mobile app payments post within one business day, while mailed checks take 7 to 10 days, so mail early if your due date is close.
- Automatic payments can be set to your full balance, minimum payment, or a custom amount, and they remove the risk of a late payment.
- Payments made after 5 p.m. Eastern Time on your due date are treated as late and will trigger a late fee and damage to your credit score.
- If you cannot pay the full balance, paying at least the minimum keeps your account in good standing, though interest charges will continue to grow.
- Chase accepts payments from any U.S. bank account, not just Chase accounts, so you can pay from wherever your money is held.
How to pay online or through the Chase mobile app
Log into your Chase account at chase.com or open the Chase mobile app on your phone. Select "Pay" or "Make a Payment" from the menu. You will see your current balance and due date. Enter the amount you want to pay — you can choose to pay the full statement balance, the minimum payment, or a custom amount. Then select the bank account you want the payment to come from and confirm the payment date.
Chase will show you when the payment will post. If you pay before 5 p.m. Eastern Time on a business day, it usually posts the next business day. Payments made after 5 p.m. or on weekends post the following business day. Once you confirm, you will get a confirmation number — save this in case you need to look up the payment later.
Setting up automatic payments to avoid missing a due date
Automatic payments take the guesswork out of paying on time. In your Chase account, go to "Autopay" or "Automatic Payments" and select the credit card you want to set up. Choose the date each month when you want the payment to come out — this can be any day from the 1st to the 28th. Then pick whether you want to pay the full statement balance each month, the minimum payment, or a fixed dollar amount.
If you choose to pay the full balance automatically, your payment will adjust each month based on what you owe. This is the safest option because you will never carry a balance or pay interest. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or your account will fall behind. You can change or cancel automatic payments anytime through your account settings.
What happens if you miss your due date
If your payment does not post by 5 p.m. Eastern Time on your due date, Chase will charge you a late fee. The fee amount depends on your card and your account history, but it is typically $25 to $40 for the first late payment and higher for repeat late payments. More importantly, a late payment stays on your credit report for seven years and damages your credit score when ready.
If you realize you will miss the due date, call Chase right away at the number on your card. Explain your situation — if this is your first late payment or if you have a good history, Chase sometimes waives the fee as a one-time courtesy. Even if they do not waive it, calling shows good faith and may help if you need to negotiate later.
Paying less than the full balance and how interest works
If you cannot pay your full statement balance, you must pay at least the minimum payment by the due date to keep your account in good standing. The minimum is usually 1 to 3 percent of your balance, depending on your card. Paying only the minimum keeps you from being late, but the unpaid balance will be charged interest at your card's annual percentage rate (APR).
Interest is calculated daily on the unpaid balance. If your APR is 18 percent and you carry a $1,000 balance, you will owe roughly $15 in interest that month. That interest gets added to your balance, so next month you owe interest on the interest too. This is why carrying a balance is expensive — the longer you carry it, the more interest you pay. If you are struggling to pay, focus on paying down the balance as fast as you can rather than just paying the minimum.
Paying from a bank account that is not with Chase
You do not need a Chase bank account to pay your Chase credit card. When you set up a payment online or through the app, you can link any U.S. bank account — checking or savings — from any bank. The first time you link an account, Chase may ask you to verify it by depositing a small amount (usually under $1) and confirming the deposit amount. This takes one to two business days.
Once your account is verified, you can use it to make payments anytime. You can link multiple bank accounts if you want the flexibility to pay from different sources. If you ever need to remove a linked account, you can do that in your account settings.
Paying by phone or by mail if you do not have online access
If you do not use online banking, you can pay by phone by calling the number on the back of your credit card. A representative will ask for your account number and the amount you want to pay, then confirm the bank account the payment will come from. Phone payments post on the same timeline as online payments — usually the next business day if you call before 5 p.m. Eastern Time.
To pay by mail, write a check to Chase and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — do not mail it to a Chase branch. Mail takes 7 to 10 days to arrive, so send it at least 10 days before your due date to be safe. Keep a copy of the check or write down the check number in case you need to track the payment.
Frequently Asked Questions
Can I pay my Chase credit card at a Chase ATM or branch?
You cannot pay at an ATM, but you can pay in person at a Chase branch during business hours. Bring your card or account number and the cash or check you want to pay with. The payment posts when ready. This is useful if you prefer to handle money in person, but online or phone payments are faster for most people.
What time does my payment need to post to count as on-time?
Your payment must post by 5 p.m. Eastern Time on your due date. Online and phone payments made before 5 p.m. on a business day post the next business day, so they will be on time. Mailed checks take 7 to 10 days, so mail them at least 10 days early. If your due date falls on a weekend or holiday, Chase extends the important date to the next business day.
Can I pay more than the minimum to pay off my balance faster?
Yes. You can pay any amount up to your full balance anytime. Paying more than the minimum reduces the interest you owe and gets you out of debt faster. There is no penalty for paying early or paying more than required — Chase encourages it.
What if I set up automatic payments but need to skip a month?
Log into your Chase account and pause or cancel the automatic payment for that month. You can then resume it the following month, or set up a one-time manual payment instead. Pausing does not affect your account — just make sure you still pay at least the minimum by your due date so you do not fall behind.
Do I have to pay the full statement balance or can I pay just part of it?
You can pay any amount between the minimum payment and your full balance. Paying part of the balance keeps you current on your account but leaves you with interest charges on the unpaid portion. Paying the full balance avoids interest entirely.