Can I pay my Chase credit card with a debit card?

Question

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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Answer 1 · 2021-05-29 23:46:00

WalletHub, Financial Company

@WalletHub • 05/29/21 This answer was first published on 06/11/18 and it was last updated on 05/29/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you cannot pay your Chase credit card with a debit card. But you can a pay a Chase card with the checking account that your debit card is linked to, by doing an electronic transfer. In general, you can make Chase payments online, via Chase mobile app, by phone at (800) 432-3117, or at a branch. Alternatively, you can make a payment by mail or by Western Union.

Here’s how to pay your Chase credit card:

Online: To make a direct transfer from your checking account, log on to your Chase account and click, the “Pay Card” button. From the “Pay From” drop-down menu, select “Add an Account” and enter your checking account number and routing number. There’s no limit to the number of accounts you can add, but you must select one primary account from which the funds would be withdrawn.
Chase Mobile app: You can also make a Chase credit card payment on the Chase Mobile app.
By phone: You can pay your Chase credit card bills with a debit card by calling customer service at (800) 432-3117. You’ll have to verify your name, address and last four digits of your SSN. You’ll then have to provide the 16-digit number on the debit card, the expiration date and three-digit security code. You’ll also need the routing number to the linked checking account.
At a branch: You can also visit a local Chase Bank branch and pay in person.
By mail: You can also mail your Chase payment. Just send a check or money order (with your account number written on the memo line) and your payment coupon to:
Cardmember Services

P.O. Box 6294

Carol Stream, IL 60197-6294
Via Western Union: For Western Union payments, use the Code City WALNUT.

Joe T @japflare
So I just tried to do this by calling Chase and asking them if I could use a debit card to pay my credit card bill and was promptly told that this is not possible.

Answer 2 · 2018-07-19 05:53:38

Bart Ashton, Member

@bart_ashton 07/19/18 This answer was first published on 07/19/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, you can, either by phone or at a branch. It won't work online though.

@bderiso
I was not allowed to do this when calling customer support today.

Answer 3 · 2018-09-17 08:09:52

Debbie Fischer, Working Mom

@globetrotter4li 09/17/18 This answer was first published on 09/17/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Sure, it's possible. I always use my app to pay my credit card.

Can I pay my Chase credit card with a debit card?

WalletHub, Financial Company

Here’s how to pay your Chase credit card:

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Bart Ashton, Member

Debbie Fischer, Working Mom

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