Setting up your online bill payments for your credit card might seem like a daunting task, but it’s really easy and can save you time and effort in the long run. Some items you will need on hand before you get started: credit card, checkbook, and a credit card statement.
First look on the back of your credit card statement. The company’s website should be listed there. Go to it and look for online bill payment. If you can’t find the website or can’t find the online bill payment at their site you can give them a call and they can direct you.
The next step is creating your account. When you create your account they will ask you for your credit card number, and for you to make a username and password. Make sure you remember your username/password because if you forget it you will have to call them to reset it. I’ve had to reset my password a couple times before and it’s a slow process having to go through all the menu options on the phone. To avoid all this hassle, it is a good idea to write your login information down and keep it handy for the next time you visit.
After you have done that they will ask for your bank account information. They will need the routing number, which is located on the bottom left of your checks, they will also need your account number which is the bottom middle. You will need to tell them what kind of bank it is, either a credit union or the bank name.
During the setup process they will ask for your email address this way they can send you an email message when your bill is due, and if you like, you can request to only have them send you an email and discontinue receiving a paper statement through the mail.
Now all you need to do is sign in at anytime, you can pay your bill online and you don’t have to mail a check anymore. Make sure to read the terms and conditions about paying online because each company has a different standard. For instance American Express allows you to make a payment anytime and it will count towards that day, but Capital One only accepts payments for that day before 3pm EST. If you pay after 3PM EST it will count for tomorrow.
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