How can I pay my Capital One Secured card?

The Capital One credit card payment cut-off time is 8 p.m. EST (Monday-Saturday, excluding holidays). If you pay your card by this time on your due date (unless it is a Sunday or a holiday), your payment should post to the account by midnight the same day. But if you don’t pay your bill by the cut-off time, your payment will be considered late and you will be charged a late fee of up to $39.… read full answer

What you should know about the Capital One payment cut-off time:

• You should first take into account how long different Capital One payment methods take.
• If you make a payment by 8 p.m. EST on your due date, this will be posted before midnight EST, which will be considered to be on time. However, this excludes mail payments, which usually take 5-7 business days to be received.
• If you don’t make your payment by the cut off time, you will owe a hefty late fee, on top of your payment.
• It’s not a good idea to wait until right before the Capital One credit card payment cut off time to submit your payment. Ideally, you should pay right after you receive your monthly statement, or as soon as you can, based on your financial situation.

Also, if you typically pay online, you may want to consider setting up automatic payments. That way, Capital One will automatically withdraw your payment by your due date each month. The only thing you’ll have to worry about is making sure the account has enough funds for your payment to be processed.

Yes, you can pay your Capital One credit card with a debit card, just not directly. You may use a checking or savings account to pay online or over the phone.

For phone payments, call the number on the back of your card, then verify the name on the account, along with the address and the last four digits of your Social Security number. Next, provide your checking/savings account information. You will also need the routing number for the bank account for verification purposes. Alternatively, you can pay in person at a local Capital One branch with cash.… read full answer

Alternatives to paying your Capital One credit card with a debit card

Although Capital One does not accept debit cards as a form of payment, you may pay your Capital One credit card bill with a debit card at 7-Eleven and Kroger stores. You can also pay your Capital One credit card with Western Union online, through their mobile app, and at a Western Union location using a debit card. Some non-Capital One locations may charge a fee for debit card payments, though.

Capital One credit card payments made through third party services may take longer to process. So, make sure Capital One receives your credit card payment before the due date.

Yes, you can pay your Capital One credit card bill at Walmart, but only if you have a Walmart® Store Card or a Walmart Credit Card. If it’s any other Capital One credit card, you can only pay the bill by using MoneyGram, which is located inside most Walmart stores.

MoneyGram allows Walmart customers to pay lots of bills in-store, including Capital One credit card bills. You will need to provide the company name (in this case, Capital One), your credit card number, your I.D., and cash. MoneyGram does not accept other forms of payment for in-person transactions.… read full answer