How to Pay Your Commerce Bank Credit Card Bill Online

Paying your credit card bill on time each month is crucial to building and maintaining good credit, avoiding late fees, and keeping your accounts in good standing. For Commerce Bank credit cardholders, paying online through the bank’s website or mobile app is the fastest, easiest way to make sure your payment posts on time.

In this comprehensive guide, we’ll walk through the step-by-step process to pay your Commerce credit card bill online through the bank’s digital platforms.

Overview of Commerce Credit Card Payment Options

Commerce Bank offers several ways for credit cardholders to submit their monthly payment including

• Online – Fast and convenient through Online Banking or Mobile App
• Phone – Available 24/7 through automated phone payment system
• Mail – Send check or money order to address on statement
• In person – At any Commerce branch location
• AutoPay – Set up recurring automatic payments from checking account

When you pay by phone or online, the payment is processed right away, so your account shows that it’s been paid. Mailed payments take 5-7 days to post. In-person and AutoPay timing varies.

Paying online is the most popular option for the convenience, speed, and flexibility it provides Let’s look at how simple it is to pay your credit card bill through Online Banking or Mobile App

Benefits of Paying Your Commerce Credit Card Bill Online

Taking advantage of digital payment options through Commerce Bank provides many perks and advantages

• Convenience – Pay anytime, anywhere with internet access
• Payment options – Use another Commerce account or external bank account
• Payment history – View previous statements and payments
• Paperless billing – Go green with eStatements
• Account management – Update addresses, phone numbers, etc.
• Secure – Encrypted transactions and data storage
• Alerts – Get balance and due date reminders via email
• No fees – Free to pay online vs fees for other options

When you pay online, you save time and money and have more control over your account.

How to Pay Your Commerce Credit Card Bill Through Online Banking

1. Log into your Commerce Online Banking account

2. Under “My Accounts,” select your credit card account

3. Click on “Payments & Transfers” from the account menu

4. Enter payment amount

5. Select payment method:

   • Another Commerce account

   • External bank account

6. Enter external account information if needed

7. Click “Continue”

8. Verify payment details and click “Confirm”

You’ll receive a confirmation email with the payment details. The funds will deduct instantly from the source account and credit to your card balance.

Paying Your Commerce Credit Card Through the Mobile App

You can follow almost the same steps to pay your credit card bill using the Commerce Bank Mobile App on your smartphone or tablet.

1. Log into the Commerce Mobile App

2. Tap on your credit card account

3. Tap on “Make a Payment” from account menu

4. Enter payment amount

5. Select payment account

6. Verify details and tap “Submit”

The app provides the flexibility to pay on the go from anywhere. You’ll receive the same payment confirmation by email for your records.

Setting Up Recurring AutoPay Through Commerce Bank

For ultimate convenience, Commerce cardholders can enroll in AutoPay to have their credit card bill paid automatically each month on the due date from a linked checking account.

To set up AutoPay:

1. Log into Online Banking and access your credit card account

2. Under “My Profile,” select “AutoPay Accounts”

3. Choose your credit card account and click “Enroll”

4. Pick the Commerce checking account to debit

5. Agree to the terms and conditions

6. Click “Confirm” to save the setup

Now your credit card bill will be paid on time, every time, without any effort on your part. The peace of mind of automated payments can’t be beat!

Payment History and Year-End Statements

One of the great benefits of paying your Commerce credit card online is being able to view payment history and access previous statements anytime.

On your credit card account dashboard, you can see your recent transactions, statements, and payment details. For older documents, you can access up to 18 months of statements. Just select “Statements” or use the search function.

At year-end, you can print out your complete annual statement for tax reporting or record-keeping purposes. Having these documents available 24/7 makes organizing your finances much easier.

Confirming Your Commerce Credit Card Payment Posted

To confirm your online payment was processed and posted to your account:

• Check your credit card account activity immediately after submitting payment
• Review the confirmation email from Commerce Bank
• Monitor your account balance and available credit

Payments made before the cut-off time each day (5:00 p.m. CT) will show as processed that same day. Weekend or holiday payments may take an extra day or two to apply.

If your posted payment amount or timing seems incorrect, contact Commerce right away to determine the issue and solution.

Avoid Late Fees and Other Problems

With on-time credit card payments being so crucial, Commerce Bank makes the process seamless through digital tools. However, it’s still smart to be vigilant about:

• Paying at least the minimum due by the payment due date
• Notifying Commerce if your address or contact information changes
• Updating any expired card on your digital payment accounts
• Monitoring account activity regularly for fraudulent charges

If an issue like identity theft does occur, Commerce Bank provides 24/7 support to resolve problems and remove fraudulent transactions from your account.

Getting Commerce Credit Card Account Help

If you ever have questions or issues related to your Commerce Bank credit card or account, multiple support options are available:

• Call – Customer service agents are available 24/7 at 1-800-645-2103

• Secure Message – Login online and send a secure message

• Live Chat – Chat online with an agent during business hours

• Email – Reach out anytime to [email protected]

• Visit a Branch – Meet with a banker in person at any location

Commerce strives to deliver best-in-class service through every channel. Don’t hesitate to reach out by phone, online, or in-person for quick assistance.

Switching Commerce Credit Cards

Over time, another Commerce Bank credit card may fit your spending habits better than your current one. Commerce offers a range of cards with different benefits and rewards to meet diverse needs.

To switch to a new Commerce credit card:

• Browse card options online and select the best alternative

• Apply online for the new card you want

• Get approved and activate the new card

• Stop using old card and cut up/destroy it

• Manage new account and rewards

As a Commerce customer, you’ll frequently see offers to upgrade or change cards. Evaluate if a new card’s perks represent enough added value to justify getting it. Having multiple Commerce cards can maximize your rewards!

Cancelling Your Commerce Credit Card

If you no longer wish to keep your Commerce credit card open, contact the bank to formally close the account:

• Call or write an online message indicating your intent to cancel

• Provide your name, account number, and reason for cancelling

• Stop all account activity when notified of closure

• Destroy your physical card

• Pay remaining statement balance per terms

Closing an account may impact your credit score temporarily. Keeping inactive cards open with zero balances minimally affects your credit but maintains available credit limits.

Commerce Credit Card Security and Protection

Commerce Bank employs advanced security technologies and protocols to keep your credit card data safe, including:

• 256-bit SSL Encryption – Scrambles data during online transactions

• Verified by Visa – Extra identity check during online checkout

• Zero Liability – $0 loss if unauthorized card use occurs

• Chip Cards – More secure EMV chip card processing

• Real-Time Monitoring – Around-the-clock fraud analysis

• Alerts – Activity notifications by email, text, etc.

Commerce also provides complimentary identity protection services in case of fraud or identity theft situations.

You can use your Commerce credit card with confidence knowing your information is secure. Implementing smart habits like checking statements, securing devices, and avoiding suspicious sites or emails will keep your account safe as well.

Summary

We’ve just explored the ins and outs of paying your Commerce Bank credit card bill online conveniently, securely, and on time.

Key highlights include:

• Online and mobile payment options

• Recurring AutoPay setup

• Payment history access

• Late fee avoidance

• Account management and security

Commerce provides digital tools, resources, and stellar service to ensure paying your credit card bill each month is quick and easy. Take advantage of these offerings to simplify your life and properly manage your account. Reach out anytime with questions or for additional support.