How to Pay Your Capital One Platinum Secured Credit Card Bill
Online: To make payments online, you'll first need to enroll in Capital One's online banking service. After you have your credentials and you're logged in to your online account, select "Make a Payment," and enter the amount you'd like to pay, along with the date you want the payment to post. Make sure you have a payment account listed - such as a checking account - or your payment won't process.
Through the mobile app: Download the app for Android or iOS and log in to your account. Then, select your card and tap on the “Make a Payment” tab.
Over the phone: Call (800) 227-4825 or the number on the back of the card and enter your card information when prompted. Then, follow the prompts to make a Capital One Platinum Secured payment.
At a branch: You can make a Capital One Platinum Secured payment at any Capital One branch during normal business hours.
Via mail: Send a check or money order (but 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.
Ultimately, it is also worth noting that the issuer allows Capital One Platinum Secured cardholders to set up automatic payments as well.
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:
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.
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
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.