Where to Mail Your Capital One Credit Card Payment

If you have a Capital One credit card, you likely appreciate the convenience of paying your bill online. With just a few clicks your payment is processed quickly. But occasionally you may need to mail a physical check or money order to pay your credit card bill.

In this article, we’ll cover the correct mailing address to use when sending Capital One credit card payments. We’ll look at tips to avoid late fees, how long to allow for mail delivery, and how to easily switch to electronic payments.

Capital One payment mailing addresses

Capital One provides two mailing addresses for credit card payments:

For standard mail use

Capital OnePO Box 71087Charlotte, NC 28272-1087

For overnight or express delivery use:

Capital One Attn: Payment Processing6125 Lakeview Rd, Suite 800Charlotte, NC 28269

Be sure to include your 16-digit Capital One credit card account number on the front of your check or money order.

Allow 5-7 days for standard mail delivery

Keep in mind that standard mail delivery can take 5-7 business days for your mailed payment to reach Capital One and post to your account

That’s why you should mail your payment at least a week before it’s due, especially if it’s close to a holiday or weekend when mail service might be slow.

You could be charged a late fee if you mail too close to the due date. You can plan ahead because Capital One’s payment due dates are always the same.

Avoid late fees with proper planning

Capital One charges late fees if your payment is received after the due date shown on your statement – usually around $40.

To avoid late fees when mailing payments:

• Mail at least 5-7 days before your due date
• Use express delivery if mailing close to due date
• Pay early in billing cycle if due date is near a holiday
• Switch to electronic payments to avoid mail delays

Setting up automatic payments through your bank account is the best way to avoid late payments altogether. Online payments also post quickly, usually within 1 business day.

How to switch to electronic payments

While mailing a paper check gives you a payment record, electronic payments are more convenient, timely, and reliable. Here are some ways to switch to digital payments:

• Enroll in AutoPay – Set up automatic monthly payments through Capital One’s online account system.

• Pay online – Log into your account anytime to make one-time payments by bank transfer.

• Use the mobile app – Download the Capital One app and pay via the app.

• Pay by phone – Call the number on your card to make payments through Capital One representatives.

What information to include with mailed payments

If you do need to mail a Capital One credit card payment, be sure to include:

• Your 16-digit Capital One account number
• Check or money order payable to “Capital One”
• Payment coupon from your statement (optional)
• Return address so Capital One can send payment confirmation

Do not send cash payments through the mail. Capital One does not recommend mailing cash payments.

Can I drop off payments at a Capital One location?

At this time, Capital One does not accept hand-delivered payments at its physical branches. To maintain security and payment accuracy, you need to either mail checks to their PO boxes or make payments electronically through their online system.

What about international payments?

If you need to mail a payment from outside the United States, you can send payment to:

Capital OnePO Box 71086Charlotte, NC 28272-1086USA

Be sure to include your Capital One account number and allow plenty of extra time for international delivery before your due date.

Can I change my monthly due date?

Capital One due dates do not vary month to month. But you can request a one-time due date change by contacting their customer service team.

If approved, your due date will be temporarily moved to a different day for one billing cycle. So if you have a major expense near your normal due date, you can shift the payment deadline.

Just keep in mind that due date changes are temporary – the next month your original due date will apply again.

Set payment reminders and alerts

To avoid forgetting about upcoming payments, be sure to set up alerts and reminders through your Capital One online account. You can receive notifications by email, text, or push notification when:

• Your eStatement is ready
• Your payment is due soon
• Your payment confirmation is available

Enabling notifications ensures you never miss an important payment deadline.

The bottom line

While Capital One offers fast electronic payment options, you can still mail your credit card payment if needed. Just be sure to use the proper PO box address, allow extra time for mail delivery, and consider switching to digital payments for speed and convenience.

With some planning, you can easily avoid late fees and keep your Capital One account in good standing. The key is paying early enough to account for potential mail delays.