What is the Wells Fargo credit card payment cut off time?

The Wells Fargo credit card minimum payment is either $25 or 1% of your new balance, plus interest and fees, whichever is greater. If your entire account balance is less than $25, then your balance amount is the minimum payment. Note that any past-due amounts will also be added to the minimum payment.... read full answer

What you should know before making a Wells Fargo credit card payment:

• You must make your Wells Fargo credit card minimum payment every month by the due date listed on your statement.
• Failure to pay on time will result in a late fee, and can lead to credit score damage if you’re more than 30 days late.
• Paying more than the minimum payment each month will reduce your interest charges. Better yet, avoid interest charges altogether by paying the balance in full, if possible.
• If you choose to carry a balance on your Wells Fargo credit card, you will start to owe interest daily and you will lose your grace period on new purchases. That means future purchases will begin to accrue interest immediately.

To see your Wells Fargo credit card minimum payment, check your monthly statement from your online account.

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.

The easiest way you can pay your Wells Fargo credit card is either online or over the phone at (800) 869-3557. Alternatively, you can pay your credit card bill through the mail, or in person at a branch. You cannot make a Wells Fargo credit card payment at an ATM.

How to Pay Your Wells Fargo Credit Card Online

• Go to the Wells Fargo website or open the Wells Fargo mobile app.
• Log into your account and select the “Transfer & Pay” tab.
• Click “Pay WF Accounts.”
• Make a one-time payment, or set up automatic payments.

Payments made before midnight Pacific time will be credited within one business day if they’re from a Wells Fargo bank account. It takes, 3-5 business days for payments from non-Wells Fargo bank account.

Other Wells Fargo Credit Card Payment Options

• Over the phone: Call (800) 869-3557. Payments made by midnight Pacific time will be credited the same day.
• By mail: Mail a personal check (not cash) to the following address:
  Wells Fargo Card Services
  P.O. Box 51193
  Los Angeles, CA 90051-5493
• In person: Pay with cash or check at your nearest Wells Fargo branch.

Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 7-10 business days before your due date.