A Capital One credit card payment will post by midnight on the same day it is received, as long as you submit it before 8 p.m., ET Monday-Saturday. Otherwise, it will post the following day, by midnight.
When you submit a Capital One credit card payment, it is important to note that when a payment posts to your account, the amount submitted for payment will not immediately be available. Posting only means the payment has been processed and your account will reflect that payment was made. Funds will be available by 8 a.m. the day after the payment posts.
Here are the Capital One credit card posting dates:
Payments submitted before 8 p.m., ET, Monday-Saturday will post the same day by midnight. Funds available by 8 a.m. ET, the day after the payment posts.
Payments submitted after 8 p.m., ET, or on a Sunday/holiday would post the next day by midnight. Funds available by 8 a.m. ET, the day after the payment posts.
ACH payments made through your Capital One online account, mobile app, Eno, or IVR (Interactive Voice Response) payments made through the phone number on the back of your card may post immediately following the transaction.
Regardless of how you choose to pay your Capital One credit card bill, it is always a good idea to not wait until your due date to make a payment. Give yourself enough time to allow for system outages or slow mail delivery. Payments not received by 8 p.m. on the due date, or that are less than the minimum amount due will be considered late and will be charged a late fee up to $40.
You can also make a Capital One credit card payment over the phone, by calling (800) 227-4825 or the number you see on the back of your card. Alternatively, you can send a check or money order (not cash) to:
Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083
Capital One Attn: Payment Processing 6125 Lakeview Rd Suite 800 Charlotte, NC 28269
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date. Write your credit card number on the check, too.
You can pay your credit card bill in person at a Capital One branch, or at the Money Services counters in Kroger brand stores. You can also make a payment at MoneyGram and Western Union locations, which can be found inside Walmart, Rite Aid, Walgreens, and Money Tree stores.
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.
Here’s where you can pay your Capital One credit card bill in person:
Capital One Bank: You can pay your Capital One credit card bill in person at any branch location. All Capital One bank branches are closed on Sundays and during federal holidays.
Money Services: Money Services is offered at Kroger-owned stores, including Fred Meyer, QFC, Fry’s, Ralphs, Dillon’s, City Market, Baker’s, and Smith’s, to name a few. You can pay your Capital One credit card bill with cash or a debit card when you bring your bill stub and account number. Payments for credit cards will be charged a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on what payment options are available.
MoneyGram: Once you find a MoneyGram location near you, all you need is the account number and cash. MoneyGram has their own standalone stores. Walmart and CVS Pharmacy are the next most common locations. Be aware that in-person credit card payments using MoneyGram are cash only. There’s also a fee that varies depending on the amount paid and posting time.
Western Union: You will need the biller’s name and account number. Some participating Western Union locations accept debit cards in addition to cash. The most common locations for Western Union besides their own stores are Walgreens, U.S. Bank, and Kroger-owned stores.
Here are some other payment options:
ATM: Capital One has over 70,000 fee-free ATM locations. You can find them at select Target, Walgreens, and CVS Pharmacy locations. Check online or call customer service to find additional locations. You can use the ATM to deposit cash or checks to your Capital One checking account. Then, you can use that money to pay your Capital One credit card bill online, by phone, or mobile app.
Online: You can also make an online credit card payment by signing in to your Capital One account.
Mobile App: You can instantly deposit checks to your Capital One checking account using your mobile phone. You can also transfer money between banks with Capital One’s online banking, but this takes a little longer. However, this can be a convenient option in the future once you link your bank accounts.
Mail: Lastly, you can pay your Capital One credit card bill via mail. The address is: Capital One Attn: Payment Processing PO Box 71083 Charlotte, NC 28272-1083
Deciding where to pay your Capital One credit card bill in person depends on how strapped you are for time. If you’re not paying your bill at a Capital One Bank location, you might also have to pay a fee. But that will certainly beat triggering a late payment fee. No matter where you choose to pay your bill, make sure to bring the proper information, identification and form of payment needed.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.