Where to pay your Chase credit card bill

You can pay your Chase credit card through Chase's website, their mobile app, by phone, by mail, or in person at a Chase branch. The fastest and most common method is online through your Chase account — you log in, select the card, and choose how much to pay and when. The Chase mobile app offers the same options and works the same way.

If you prefer to speak with someone, call the number on the back of your card. A representative can process a payment over the phone using your bank account or another Chase card. Payments made by phone are typically posted the same business day if you call before the cutoff time, which varies by region but is usually in the afternoon.

Mailing a check takes 7 to 10 business days to reach Chase and post to your account, so mail payments should be sent well before your due date. The mailing address appears on your statement and in your online account. In-person payments at a Chase branch are posted immediately, but not all branches accept card payments — call ahead to confirm.

Key Takeaways

  • Online and mobile app payments post within one business day and let you choose the exact amount and payment date.
  • Phone payments process the same day if you call before the afternoon cutoff, but you cannot schedule them for a future date.
  • Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid a late fee.
  • Chase counts a payment as on time if it posts by 5 p.m. Eastern Time on the due date, regardless of when you initiated it.
  • Setting up automatic payments through your Chase account prevents missed payments and late fees without requiring action each month.

How to set up automatic payments

Automatic payments remove the risk of forgetting a due date. Log into your Chase account online or in the app, go to the card you want to pay, and select "Set up automatic payment" or "Autopay." You will choose a payment date each month, the amount (minimum payment, statement balance, or a fixed amount you set), and which bank account to pull the money from.

Chase offers three payment amount options: the minimum payment due, the full statement balance, or a custom amount. Most cardholders choose the full statement balance to avoid interest charges. You can change or cancel the automatic payment at any time, and Chase will send you a confirmation email when the payment is processed.

Automatic payments post on the date you select, but Chase needs the money to be available in your linked bank account by that date. If your bank account does not have enough funds, the payment will fail and you may be charged a late fee. You can set up separate automatic payments for multiple Chase cards from the same account.

Understanding payment posting and due dates

A payment is considered on time if it posts to your account by 5 p.m. Eastern Time on your due date. The due date appears on your statement and in your online account — it is typically 21 to 25 days after your statement closing date. The statement closing date is when Chase tallies up all your charges for that month and generates your bill.

The date you initiate a payment and the date it posts are different. Online and app payments usually post within one business day. Phone payments post the same day if you call before the cutoff. Mail payments take 7 to 10 business days. If you pay on the due date itself, use online, app, or phone to ensure it posts in time — do not mail a check.

If a payment posts after 5 p.m. Eastern Time on the due date, it counts as late. A late payment triggers a late fee (typically $25 to $40 for the first occurrence) and may be reported to credit bureaus if it is 30 or more days late. Paying even one day late does not erase the late fee, so timing matters.

What happens if you miss a payment

If your payment does not post by the due date, Chase charges a late fee within a few days. The fee amount depends on your card and account history — first-time late fees are usually $25, and repeat offenders may pay $35 or $40. The late fee is added to your balance and accrues interest like any other charge.

A payment that is 30 or more days late is reported to the three credit bureaus (Equifax, Experian, and TransUnion). This late payment stays on your credit report for seven years and significantly damages your credit score. Even one 30-day late payment can drop your score by 100 points or more, depending on your current score and credit history.

If you miss a payment, contact Chase as soon as you realize it. Explain the situation and ask if they will waive the late fee — many cardholders get one fee waived per year if they have a good payment history otherwise. Paying the full amount owed immediately stops additional fees and prevents the account from being sent to collections.

Paying more than the minimum

The minimum payment is the smallest amount Chase requires you to pay to keep your account in good standing. It is usually 1 to 3 percent of your total balance, which means paying only the minimum leaves most of your balance unpaid. Interest accrues on the unpaid portion every day, so the longer you carry a balance, the more interest you pay.

Paying more than the minimum reduces the amount of interest you owe. If you pay the full statement balance each month, you pay no interest at all — this is the most cost-effective approach. If you cannot pay the full balance, paying as much as you can above the minimum still saves money on interest compared to paying the minimum alone.

You can make multiple payments in a single month. Pay part of your balance early, then pay the rest before the due date. Some cardholders make a payment as soon as their paycheck arrives to keep their balance low and reduce interest charges. There is no penalty for paying early or paying multiple times per month.

Paying off a balance faster

If you carry a balance, the fastest way to pay it off is to pay a fixed amount each month that is higher than the interest being added. Use an online calculator to see how long it will take to pay off your balance at different payment amounts. For example, a $5,000 balance at 20 percent interest takes about 32 months to pay off if you pay only the minimum, but only 12 months if you pay $450 per month.

Consider a balance transfer if you have a high interest rate. Some Chase cards offer a 0 percent introductory rate on balance transfers for 6 to 21 months, depending on the card. You transfer your balance from another card to the Chase card, and no interest accrues during the promotional period. Balance transfers usually charge a fee of 3 to 5 percent of the amount transferred, but the interest savings often outweigh the fee.

Another option is a personal loan from a bank or credit union. Personal loans typically have lower interest rates than credit cards and a fixed repayment schedule. You borrow a lump sum, pay off the credit card in full, and then repay the loan over a set period. This works best if you have decent credit and can may have access to for a rate lower than your card's current rate.

Paying your card when you close it

If you decide to close your Chase credit card, you must pay the full balance before or at the time of closing. You cannot close an account with an outstanding balance. Pay the balance in full using any of the methods described above — online, app, phone, mail, or in person.

After you pay the balance, contact Chase to request account closure. You can do this online, through the app, by phone, or in person at a branch. Chase will confirm the account is closed and send you a final statement showing a zero balance. The card itself should be cut up or destroyed to prevent unauthorized use.

A closed account with a zero balance remains on your credit report for 10 years. This does not hurt your credit score — in fact, it shows you paid the account in full. However, closing a card does reduce your total available credit, which can slightly lower your credit score in the short term. The effect is usually small and temporary.

Frequently Asked Questions

What time does Chase post payments?

Online and app payments typically post within one business day of when you submit them. Phone payments post the same business day if you call before the afternoon cutoff time, which varies by region. Mail payments take 7 to 10 business days. Chase considers a payment on time if it posts by 5 p.m. Eastern Time on your due date.

Can I pay my Chase card with a different bank account?

Yes. When you set up a payment online or through the app, you can link any bank account in your name. Chase will verify the account by depositing and withdrawing small amounts, which takes one to two business days. After verification, you can pay from that account immediately. You can link multiple accounts and switch between them for different payments.

What if I pay late but then pay extra the next month?

Paying extra the next month does not erase a late fee or remove the late payment from your credit report. The late fee stays on your account and the late payment stays on your credit report for seven years. However, paying on time going forward prevents additional late fees and shows lenders you have corrected the problem. After 24 months of on-time payments, the impact on your credit score decreases significantly.

Does paying online cost extra?

No. Chase does not charge a fee for online or app payments. Phone payments are also free. Mail payments are free, but take longer. In-person payments at a Chase branch are free. Some third-party payment services charge fees to pay your Chase card, but paying directly through Chase's website or app never costs extra.

Can I schedule a payment for a specific future date?

Yes, through the website or app. When you initiate a payment online or in the mobile app, you can choose the date you want it to post — typically any date within the next 30 days. Phone payments cannot be scheduled for a future date; they process immediately. Automatic payments let you set a recurring date each month.