Paying your credit card bill on time every month is crucial for maintaining a good credit score and avoiding late fees. But sometimes, you may prefer to pay your bill in person rather than online. If you have a Capital One credit card, you have several options for paying your bill in person.
Pay at a Capital One Branch
The most straightforward option is to pay at a Capital One branch. Capital One has nearly 500 branch locations across the United States. I just went to a nearby branch, told the teller I needed to pay my credit card bill, gave them my account number, and did it. It was quick, easy, and posted to my account within a day.
Here are a few things to keep in mind when paying at a Capital One branch
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Bring your credit card or account number You’ll need this for the teller to process your payment
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Know your balance. Tell the teller the specific amount you want to pay.
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Have a form of payment. You can pay with cash, check, or debit card.
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Check hours. Capital One branches are closed Sundays and federal holidays.
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Allow time for processing. In-branch payments typically post to your account within 1 business day.
Paying at a branch is one of the fastest ways to pay your Capital One card in person. Just be sure to look up branch locations and hours ahead of time.
Pay at Money Services Counters
Many grocery stores and retailers like Walmart offer bill pay services called Money Services at customer service counters. Here are a couple major chains that accept Capital One credit card payments:
Kroger Money Services
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Available at Kroger, Smith’s, Fry’s, Ralphs and other Kroger-owned chains
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Pay with cash or debit card
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Small fee applies
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Takes 1-3 days to post
Walmart Money Services
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Make payments at customer service counter
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Use MoneyGram – cash only
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Fee based on amount
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Posts next day
While convenient if you’re already shopping, money services can have longer processing times and charge fees. I’d recommend them as a backup if you can’t get to a bank branch.
Use Western Union or MoneyGram
You can also pay your Capital One bill in person at locations that offer Western Union or MoneyGram money transfer services. These are found at:
- Walmart
- CVS
- Rite Aid
- Kroger
- Walgreens
To pay with Western Union, you’ll need:
- Capital One account number
- Cash, debit card, or credit card for payment
- Photo ID
MoneyGram locations accept cash only. The fees vary based on amount and speed. Payments made through Western Union or MoneyGram will generally post to your account within 1-3 business days.
Pay at an ATM
If you bank with Capital One, you can pay your credit card bill at any Capital One ATM. Just insert your debit card, select “Make a Payment,” choose the card you want to pay, and insert your payment. The money will automatically come out of your Capital One checking or savings account.
Payments made at an ATM before 9pm ET each day typically post to your account the next business day. And best of all, there are no fees when paying your Capital One card at a Capital One ATM.
Mail In Your Payment
You can always mail your credit card payment by check or money order if you prefer. Send your payment to:
Capital One
PO Box 71083
Charlotte, NC 28272-1083
Be sure to include your statement payment stub or write your account number on the check. Mailed payments take around 5 business days to post to your account, so make sure to mail at least a week before your due date.
Other Ways to Pay Your Capital One Card
In addition to paying in person, here are a few other convenient ways to pay your Capital One credit card:
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Online – Pay directly on Capital One’s website 24/7.
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Mobile app – Pay instantly from your phone.
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Phone – Call the number on the back of your card.
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Automatic payments – Set up recurring payments from your bank account.
Tips for Paying Your Capital One Card In Person
Paying your credit card bill in person can sometimes be quicker than mailing a check or waiting for an electronic payment to post. Here are my top tips for making in-person payments:
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Pay 7-10 days before the due date to ensure on-time payment.
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Avoid fees when possible by paying at Capital One branches and ATMs.
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Double check money service fees – they often change.
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Have your account number or statement handy.
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Bring a debit card or cash for Western Union/MoneyGram.
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Watch out for sketchy places advertising bill pay – call Capital One if unsure.
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Set payment reminders on your calendar so you don’t forget.
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Sign up for text or email alerts from Capital One when payments post.
Paying your credit card bill in person takes a small amount of planning. But ultimately, it’s about choosing the option that fits best with your schedule and finances. As long as you pay on time, you can feel good knowing you’re actively maintaining your account.
Ways to pay your credit card bill
Depending on your credit card issuer, you may be able to pay your credit card bill via ACH transfer, cash, check, a mobile app or an online portal. Take a closer look at each.
- ACH transfer: Automated Clearing House (ACH) payments let you transfer funds directly from one account to another. You can usually make this transfer online using your bankâs mobile app or website. But you may also be able to pay in person or by calling the phone number on the back of your credit card. Youâll likely need to provide your credit card account, bank account and routing numbers.
- Cash: If your credit card issuer has a location nearby, you may be able to pay in person with cash.
- Check: If your issuer accepts this form of payment, you can drop off a check in person. Or you can follow the instructions on your credit card statement to mail a check with your credit card bill. Just remember to allow plenty of time for your payment to reach the issuer before the due date.
- Mobile bill pay: Some credit card issuers offer a mobile app you can use to pay your bill. Youâll just need your payment account details.
- Online bill pay: Sign in to your credit card account, and provide your bank account details to make a payment online.
Strategies for making on-time credit card payments
It can be easy to miss a credit card payment, especially if youâre juggling multiple bills every month. But paying a credit card bill by the due date helps you maintain healthy credit and keep your credit card account in good standing.
Here are some ways to help you keep up with your credit card payment and use your credit card responsibly:
- Automate payments. With automatic payments, youâll ask your credit card issuer to automatically take money from your bank account to pay your credit card. The issuer can withdraw the minimum payment, the entire balance or a prespecified amount on a prespecified date. This can ensure your bill is paid on time. Just make sure you have enough money in your bank account before the automatic payment goes through.
- Set up payment alerts. Sometimes it can be tricky to predict whether money will be available for automatic payments on the same day each month. In these cases, you can set up text or email alerts that notify you when a payment due date is coming up. When you see the reminder, make a payment using the method that works best for you.
- Request a due date that works for you. Some card issuers like Capital One allow cardholders to pick their due date. This can help you streamline your payments if you have multiple credit cards and other bills. You can usually do this either by calling your card issuer or making a request online.
- Create a budget. Based on your take-home pay and ongoing expenses, it may help to figure out how much you can afford to charge to a credit card each month. Try to stick to a budget so you can pay off the balance in full and avoid interest. When you plan ahead, youâre more likely to pay your credit card bills on time.
5 Ways To Pay Your Capital One Credit Card Bill | Rickita
When should I pay my Capital One credit card bill?
Capital One credit card payments need to be made by 8:00 PM ET, Monday-Saturday in order to post the next day. It is a good rule of thumb for any credit card to not wait until the due date to make your payment. Capital One Bank: You can pay your Capital One credit card bill in person at any branch location.
How do I make a Capital One credit card payment?
Making a **Capital One credit card payment** is straightforward, and you have several options: 1.**Online**: Log in to your **online account** and click on “Make a Payment.” You can choose the amount,
Can I use a credit card to pay with Capital One?
Contact your financial institution to learn more about the options they offer. Unfortunately, you cannot use any kind of debit or credit card to make your payment, including MoneyCards and gift cards. Capital One does not accept them as a form of payment.
How do I get a Capital One loan?
Activate your debit/ATM card (card required) Apply for an auto loan Cash checks Get a cashier’s check (fees may apply) Make a deposit, loan payment or credit card payment Transfer funds And much more Find a local Capital One branch LOCATIONS Where is a Capital One near me?