Demystifying HC Processing Center Bill Pay: A Comprehensive Guide

As an HC Processing Center customer, paying your bill doesn’t have to be a hassle But between due dates, statements, and payment options, the process can feel confusing. That’s why I wanted to write this in-depth guide to clarify HC Processing billing and outline the easiest ways to pay

With my own HC Processing account, it took me a while to figure out how to pay quickly without getting frustrated. My goal is to describe everything there is to know about HC Processing billing so you can choose a payment method that works for you. This includes paperless billing, auto-pay, online payments, and more.

Let’s dive in!

Overview of HC Processing Center

First, a quick overview of HC Processing Center for context. HC Processing, also known as Vive Financial, is a financial services company offering installment loans, credit cards, and other lending products They provide credit solutions for customers across the credit spectrum

HC Processing helps more than a million people across the country. It is one of the biggest subprime lenders in the US. Their main office is in Draper, Utah, and they’ve grown a lot since they started in 2002.

Now let’s get into the specifics of paying your HC Processing bill.

When Are HC Processing Bills Due?

HC Processing bills customers on a monthly basis for any outstanding loan balances or credit card statements.

Your specific bill due date depends on when you were approved and funded for a loan or credit card. But most HC Processing accounts have due dates ranging from the 1st to the 25th of each month.

I recommend paying your bill at least 5 days in advance of the printed due date to ensure on-time delivery and avoid late fees.

How Much Are Late Fees for HC Processing Bills?

If your payment is not received by the due date, you will incur a late fee that varies based on your state and loan type.

For an HC Processing installment loan, the late fee is generally 5% of the monthly payment amount. For an HC Processing credit card, the late fee is usually $15 or minimum payment amount.

I auto-pay my HC Processing bill each month to avoid late fees altogether. But paying early is key if sending payments by mail.

Payment Options Offered by HC Processing

HC Processing offers several ways to pay your bill conveniently:

• Online – Pay via their customer portal 24/7 using a bank account, debit card or credit card

• Phone – Call anytime to pay by phone using the automated IVR system

• Mail – Send a check or money order with your remittance coupon to the payment address

• AutoPay – Set up recurring automatic payments from a bank account each month

• In Person – Visit a MoneyGram location to pay with cash

For maximum convenience, I’m a fan of auto-pay so my HC Processing payments happen automatically. But choose the option that best suits your needs.

Avoiding Late Payments and Default

Nobody wants the stress of late fees or defaulting on payments. Here are my top tips to avoid those scenarios with your HC Processing account:

• Set payment reminders and pay immediately upon receiving your statement

• Enroll in auto-pay to ensure on-time delivery of your payment

• Contact HC Processing immediately if you anticipate issues making a payment

• Discuss hardship assistance or modified payment plans if you face financial struggles

The key is communicating with HC Processing right away if you foresee challenges paying your bill. They can often work with customers facing hardships.

Assistance Programs for Qualified Customers

If you are unable to pay your HC Processing bill, they do partner with certain assistance programs based on eligibility:

• State welfare agencies – May provide one-time utility or bill grants

• Salvation Army – Offers bill payment assistance for housing, medical, and utilities

• Local nonprofit groups – Some provide emergency assistance for bills

I recommend contacting HC Processing if you need help paying your bill to learn about available options. Their customer service team can walk through qualifications and applications.

Contacting HC Processing Center

• By Phone: Call 877-486-3442

• By Mail: PO Box 6354, Fargo, ND 58125-6354

• Online: Start a chat at www.vivecard.com

The HC Processing customer service team is extremely knowledgeable. Don’t hesitate to call, write, or chat online if you need anything bill or account related.