What Conn's Bill Pay is and how to use it
Conn's bill pay is the online and phone system that Conn's HomePlus uses to let you pay your store credit card bill. You can pay from your computer, phone, or by calling their customer service line. The system lets you make a one-time payment right away, set up automatic payments, or schedule a payment for a future date.
Conn's is a furniture and appliance retailer that offers a store credit card. If you have a Conn's credit card account, you receive a bill each month. Bill pay is straightforward the method Conn's provides to handle that bill instead of mailing a check or paying in a store.
Key Takeaways
- You can pay your Conn's bill online through their website, by phone at 1-855-266-7747, or in person at a Conn's store location.
- Online payments typically post to your account within one business day, while phone payments may take slightly longer depending on the time you call.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to remember.
- To pay online, you will need your account number and either your PIN or the password you created when you registered.
- Paying on time helps you avoid late fees and keeps your credit score from being damaged by missed payments.
Paying online through the Conn's website
The easiest way to pay is through Conn's website. Go to www.conns.com and look for the "Pay My Bill" or "Account" section. You will need to log in with your account number and password. If you have not created an online account yet, you can register on the same page using your account number and other information from your bill.
Once you are logged in, you will see your current balance and payment options. You can choose to pay the full amount, the minimum payment, or a custom amount. You can also choose whether to pay right away or schedule the payment for a later date. After you enter your payment method — usually a bank account or debit card — the system will confirm the amount and date, and you can complete the transaction.
Payments made online before 5 p.m. Central Time usually post to your account the next business day. If you pay after 5 p.m. or on a weekend, the payment will post the following business day.
Paying by phone
You can also pay by calling Conn's customer service at 1-855-266-7747. Have your account number and payment method ready when you call. A representative will walk you through the payment process and can answer questions about your balance or payment options.
Phone payments take the same amount of time to post as online payments — usually one business day. However, if you call late in the day or on a weekend, your payment may not be processed until the next business day.
Setting up automatic payments
If you want your bill paid the same way every month without having to remember, you can set up automatic payments through the Conn's website or by phone. When you set up automatic pay, Conn's will withdraw the amount you choose from your bank account or charge your debit card on the date you select each month.
You can choose to pay your full statement balance, your minimum payment, or a fixed amount each month. This is useful if you want to make sure you never miss a payment important date. You can change or cancel automatic payments at any time by logging into your account online or calling customer service.
What happens if you miss a payment
If your payment is not received by the due date shown on your bill, Conn's will charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40. A late payment also gets reported to credit bureaus, which can lower your credit score.
If you realize you will miss the due date, contact Conn's customer service right away. Sometimes they can work with you on timing, especially if you have a good payment history. The sooner you pay after the due date, the less damage to your credit score.
Paying in person at a Conn's store
You can also walk into any Conn's store location and pay your bill in person at the customer service desk. Bring your account number or a recent bill so the staff can look up your account. You can pay with cash, debit card, or credit card.
In-person payments are posted when ready to your account, so there is no waiting for the payment to process. This can be useful if you are close to the due date and want to make sure the payment is recorded right away.
Keeping track of your payment
After you make a payment, keep a record of the confirmation number or receipt you receive. If you pay online, you can print or save the confirmation page. If you pay by phone, write down the confirmation number the representative gives you. If you pay in person, ask for a receipt.
These records help you if there is ever a question about whether your payment was received. You can also log into your online account anytime to see your payment history and current balance. Most payments show up within one business day, but if yours does not appear after two business days, contact customer service with your confirmation number.
Frequently Asked Questions
Can I pay my Conn's bill with a credit card?
You cannot pay with another credit card, but you can pay with a debit card, bank account, or cash. If you pay in person at a store, you can use a credit card, but online and by phone you are limited to debit cards and bank accounts.
What is the difference between my statement balance and my minimum payment?
Your statement balance is the total amount you owe. Your minimum payment is the smallest amount Conn's will accept, usually around 2 to 3 percent of your balance. Paying only the minimum means you will pay interest on the rest and take much longer to pay off the bill.
How do I know if my payment went through?
You will receive a confirmation number or receipt when ready after you pay. Log into your online account the next business day to see if the payment has posted. If it has not appeared after two business days, call customer service at 1-855-266-7747 with your confirmation number.
Can I change the date my automatic payment comes out each month?
Yes. Log into your account online and go to the automatic payments section, or call customer service. You can change the payment date, the amount, or cancel automatic payments entirely at any time.
What should I do if I cannot pay my full bill?
Pay at least your minimum payment by the due date to avoid a late fee and credit damage. Contact Conn's customer service if you are having trouble making payments — they may be able to discuss your options with you.