To check your Chase credit card balance, log in to your Chase account online or call credit card customer service at 1-800-432-3117. It’s also possible to check your Chase credit card balance through the Chase app or by texting bal to 24273.
How to Check Your Chase Credit Card Balance
Online:Log in to your Chase account to see your card’s balance.
Phone: Call 1-800-432-3117 and follow the prompts to have the automated system read your current balance.
App: Log in to the Chase app. Your credit card balance will be shown on the home page.
Text Message: Text “bal” to 24273. If you haven’t already enrolled in text banking, you’ll need to log in to the Chase website and enroll for this to work.
It’s a good idea to keep an eye on your credit card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
The easiest way you can pay your Chase credit card is online, either through Chase’s website, or Chase Mobile app, or via phone at (800) 436-7958. Alternatively, you can pay your credit card bill at a Chase ATM or branch, by mail, or via Western Union.
Online:Log in with your online credentials and click the “Pay card” link next to the credit card you want to pay. Next, choose how much you want to pay. You can choose to pay your current balance, your minimum payment due, or a custom amount. Pick your payment date, and the payment account you’d like to pay from. Then, click “Pay this bill.”
Chase Mobile app: You can also make a Chase credit card payment on the Chase Mobile app, which works much the same way as an online payment.
By phone: You can also pay your Chase credit card bill over the phone. Call (800) 436-7958 and follow the prompts from Chase’s automated system.
At a Chase ATM or branch: Alternately, you can pay your credit card at an ATM or inside any Chase bank branch.
By mail: If you’d rather mail your Chase payment, send a check or money order (with your account number written on the memo line) and your payment coupon to:
P.O. Box 6294
Carol Stream, IL 60197-6294
Via Western Union: Lastly, for Western Union payments, use the Code City WALNUT. Keep in mind that it may take up to 7 days before the payment is reflected on your account.
A Chase credit balance refund is a reimbursement for paying more than the total balance owed on a Chase credit card. For example, a cardholder who has a balance of $500 but pays $600 can get a credit balance refund for the $100 that they overpaid.
There are two ways to request a Chase credit balance refund: by phone (1-800-432-3117), or by sending a written request to Card Services / P.O. Box 15298 / Wilmington, DE / 19850. Chase cardholders can get their credit balance refund in the form of a check or an ACH refund credit to the bank account the payment was originally taken from.… read full answer
Legally, a credit card issuer is obligated to provide a credit balance refund within seven business days of your request for one, when such a balance exists. But you are not required to request a credit balance refund if you overpay your Chase credit card. If you have a negative balance on your account, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, Chase is required to offer you a refund.
By the way, it’s worth noting that a credit balance refund isn’t the only type of refund you might get on your Chase credit card. You can also have a charge removed from your credit card by requesting a refund from a merchant or requesting a chargeback from the credit card network if the refund doesn’t work. There are other reasons you might get a credit on your account, too, such as a rewards bonus.
The Chase credit card minimum payment is either $35 or 1% of your statement balance plus any interest and late fees, whichever is greater. If your balance is less than $35, the entire amount is your minimum payment.
A minimum payment is the lowest amount you can pay each billing cycle for your account to remain in good standing. If you don’t make at least your minimum payment by the due date, you’ll be charged a late fee up to $39. And if you fall two minimum payments behind, it will hurt your credit score.… read full answer
Your Chase credit card minimum payment will always be included in your monthly statement. It’s also available when you log in to your online account. Plus, the formula Chase uses to calculate the minimum payment due is listed under the rates and fees table on your cardmember agreement. Chase uses the same minimum payment calculations for all of its credit cards.
Here are the Chase credit card minimum payments:
Balance less than $35: Minimum payment is the full statement balance. For example, if your statement balance is $12.95, your minimum payment is $12.95, too.
Balance up to $3,500 (interest + fees included): Minimum payment is $35.
Balance of more than $3,500 (interest + fees included): Minimum payment is 1% of the statement balance, including any past-due amounts, interest and late fees.
Making your Chase credit card minimum payment on time every month keeps your account in good standing. But if you want to avoid paying interest and getting into debt, you’ll need to pay off your entire balance each month.
The Credit CARD Act of 2009 requires issuers to include a table on monthly statement showing how long it would take to pay off your entire balance by making just the minimum payment each month. The table also includes how much you would have to pay per month to eliminate the balance in three years. It assumes you make no additional purchases on the card during that time.
It’s also worth noting that if you owe more than one balance on the same account, credit card issuers can apply your monthly minimum payment to the balance with the lowest interest rate. Only amounts above the minimum get applied to higher-rate balances. So only paying more than the minimum each month will help you get rid of your more expensive debt faster.
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