How do I make a Capital One Quicksilver Secured Cash Rewards Credit Card payment?

You can pay your Capital One credit card over the phone by calling the number you see on the back of your card: (800) 227-4825. You’ll be asked to say or type the last 4 digits of your card number and Social Security Number.

Once you enter your information, you’ll get a summary of your credit card account, including the balance and any upcoming due dates. After that, you can make a credit card payment by saying “make a payment,” saying or typing the payment amount, and choosing which account you’d like to pay with. The automated service will then confirm your payment details. When you confirm the details, the payment will be scheduled and made within one day.… read full answer

How to make a Capital One credit card payment by phone:

1. For personal cards, call the automated customer service line at (800) 227-4825. For small business credit cards, call (800) 867-0904.
2. Enter the last 4 digits of your card number and Social Security number.
3. Follow the voice prompts to make a credit card payment. You can choose the payment amount and the bank account you'd like to pay with.

Other ways to make a Capital One credit card payment:

Capital One cardholders can also make credit card payments in other ways. For example, you can sign in to your account or download the Capital One app and log in with your online banking credentials to make payments on your mobile device. You can also make payments in person, at a Capital One branch.

A Capital One credit card payment made before 8 p.m. ET Monday-Saturday, will post on the account at midnight on the same day it is received. Otherwise, it will post the following business day.

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.… read full answer

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.

The best time to pay a credit card bill is a few days before the due date, which is listed on the monthly statement. Paying at least the minimum amount required by the due date keeps the account in good standing and is the key to building a good or excellent credit score. That’s true for everyone, but some people might want to take things a step further, particularly cardholders carrying balances from month to month and people with high … read full answercredit utilization.

If you have a credit card balance that you carry from month to month, it’s best to pay that credit card’s bill as soon as the monthly account statement becomes available. This will save you money on interest. Paying the card’s monthly bill in full for two consecutive months will also reduce your interest charges by reinstituting your account’s grace period. Instead of purchases beginning to accrue daily interest charges right after you make them, you will have a window between when your monthly statement becomes available and when your bill is due to pay with no interest.

If the balance listed on your monthly credit card statements consistently equals more than 30% of the card’s credit limit, consider paying your bill multiple times per month. Paying once in the middle of the month and again before the due date will reduce the balance listed on your statement. That, in turn, will lower your credit utilization, which should help your credit score.

Here’s a quick example: You have a credit card with a limit of $1,000. You charge $500 to it, using up 50% of your credit. Then, you make a payment of $300 before the billing period closes and your statement is generated. That brings your statement balance to $200 and your utilization to 20%. Paying off the final $200 before the due date then keeps your account in good standing.

Here’s when to pay a credit card:

• If your credit utilization is 30% or less and you pay in full every month, pay your credit card bill by the due date listed on your monthly account statement.
• If your balance is more than 30% of your credit limit, pay your credit card bill before the billing period closes to reduce your credit utilization, then pay the remaining balance by the due date.
• If you’re carrying a balance from month to month, pay off your full credit card balance as soon as possible to save on interest.

It’s a good idea to set up automatic payments with your credit card issuer so you don’t have to worry about when to pay your credit card bill. Doing so will automatically make a payment from a linked bank account every month on the due date, or a day of your choice before that. You can’t be marked late unless your account has insufficient funds. And even with automatic payments set up, you can still make additional payments any time you want.