Where to log in and what you'll see

Chase credit card payments go through Chase's online banking portal, which you access at chase.com or through the Chase Mobile app. When you log in with your username and password, you'll land on a dashboard that shows all your Chase accounts — checking, savings, credit cards, and any others you hold with them.

To reach your credit card payment screen, select the card you want to pay from the list on the left side of the dashboard, or tap "Pay" if you're using the mobile app. You'll see your current balance, minimum payment due, and the date that payment is due. The system shows you how much interest you'll pay if you only make the minimum, which helps you decide whether to pay more.

If you have multiple Chase credit cards, you can pay each one separately or set up a single transfer that covers all of them at once. The payment screen lets you choose which account the money comes from — your Chase checking account, a savings account at Chase, or an external bank account you've already linked.

Key Takeaways

  • Log in at chase.com or the Chase Mobile app using your username and password to reach your credit card payment screen.
  • You can pay from a Chase checking or savings account, or from an external bank account you've linked to your Chase profile.
  • Payments made before 8 p.m. ET on a business day typically post the same day; payments after that time post the next business day.
  • You can set up automatic payments to go out on a date you choose each month, which helps avoid late fees.
  • Chase charges no fee for online payments, but external bank transfers may take one to three business days to clear.

Making a one-time payment

After you select the card and the account you're paying from, enter the amount you want to send. You can pay any amount from the minimum due up to your full balance, or any number in between. The screen will show you the exact date the payment will post — usually the same business day if you submit before 8 p.m. ET, or the next business day if you submit after.

Review the details one more time before you confirm: the card being paid, the amount, the source account, and the posting date. Once you hit confirm, the payment is locked in. Chase will send you a confirmation number and an email receipt. The money leaves your source account when ready, though it may take a day or two to appear as a credit on your card if you're paying from an external bank.

If you need to cancel a payment, you can do so up until 8 p.m. ET on the business day before it posts. After that window closes, the payment cannot be stopped. Log back into your account, find the pending payment in your transaction history, and select the cancel option if it's still available.

Setting up automatic payments

Automatic payments remove the need to log in each month and remember a due date. From your credit card's payment screen, select "Set up automatic payment" or "Autopay." Chase will ask you to choose a date each month when the payment should go out — you can pick any day from the 1st through the 28th, or you can choose the due date itself.

You'll also choose how much to pay automatically each month. Your options are usually the minimum payment, the full statement balance, or a fixed dollar amount you set yourself. If you choose the full balance option, Chase will pay whatever your statement shows on the day the payment processes, which means you'll never carry a balance and won't pay interest.

Once autopay is active, you can change the amount or the date anytime by logging back in and editing the payment. You can also pause or cancel autopay temporarily if you need to skip a month. Automatic payments still post on the same schedule as manual payments — same business day if submitted before 8 p.m. ET, next business day otherwise.

Linking an external bank account

If you want to pay from a checking or savings account at a different bank, you'll need to link that account to your Chase profile first. Go to your Chase account settings, select "Add external account," and enter your bank's routing number and your account number. You can find both on a check, or log into your other bank's website to locate them.

Chase will verify the account by depositing two small amounts (usually under $1 each) into that account within one to two business days. Once those deposits arrive, log back into Chase, go to the account linking section, and enter the two amounts to confirm ownership. After verification, that account will appear as an option whenever you make a payment.

Payments from an external bank account take longer to post than payments from a Chase account. Chase typically initiates the transfer the same day you submit it, but the receiving bank may take one to three additional business days to process the incoming transfer. Plan ahead if you're paying close to your due date, because a delayed external transfer could result in a late payment if it doesn't arrive by the important date.

What happens if a payment is late

A payment is considered late if it doesn't post to your account by 5 p.m. ET on the due date shown on your statement. If you miss that important date, Chase will report the late payment to the credit bureaus, which can lower your credit score. You'll also be charged a late fee, which varies based on your card and your account history but typically ranges from $25 to $40 for a first offense.

If you realize a payment won't arrive on time, log into your account when ready and make an additional payment to cover at least the minimum due. This won't erase the late fee if the original payment is already past due, but it will prevent additional late fees from stacking up. If you're more than 30 days late, Chase may increase your interest rate on the card.

If you miss a payment by accident, contact Chase customer service as soon as you notice. While they cannot remove a late fee that has already been assessed, they may be willing to waive it if your account is otherwise in good standing and this is your first late payment in several years. The sooner you call, the better your chances.

Payment posting times and holds

Chase processes credit card payments in batches throughout the business day. Payments submitted before 8 p.m. ET on a business day typically post the same day, meaning the credit appears on your account and reduces your balance when ready. Payments submitted after 8 p.m. ET or on weekends and holidays are processed the next business day.

Occasionally, a payment may be held for review if Chase's fraud detection system flags it as unusual — for example, if you're paying from a newly linked external account or if the payment amount is much larger than your typical payment. These holds usually clear within 24 hours, but in rare cases can take up to three business days. You'll receive a notification if your payment is on hold.

If you're paying close to your due date, submit your payment at least one business day early to account for any unexpected holds or processing delays. This buffer gives you protection against accidental late fees and keeps your account in good standing.

Frequently Asked Questions

Can I pay my Chase credit card by phone or mail?

Yes. You can call the number on the back of your card to pay by phone with a representative, or mail a check to the address shown on your statement. Phone payments post the same day if you call before 8 p.m. ET on a business day. Mailed checks take five to seven business days to arrive and post, so mail payments should be sent at least a week before your due date.

What if I pay more than my full balance?

Chase will credit the overpayment to your account as a negative balance, which means you'll have a credit available for future purchases. You can also request that Chase refund the overpayment to your source account, though this typically takes three to five business days to process.

Do I have to pay from a Chase account, or can I use any bank?

You can pay from any U.S. bank account once you've linked it to your Chase profile. The linking process takes one to two business days, and payments from external accounts take one to three additional business days to post. Paying from a Chase account is faster — usually same-day posting.

What if my payment doesn't show up after three days?

Log into your Chase account and check your transaction history to see if the payment is listed as pending or posted. If it shows as posted but hasn't reduced your balance, wait one more business day. If it's been more than three business days and the payment doesn't appear anywhere, contact Chase customer service with your confirmation number and the date you submitted the payment.

Can I set up autopay for just part of my balance?

Yes. When you set up automatic payments, you can choose to pay a fixed dollar amount each month, which can be less than your full balance. Keep in mind that if you pay less than the full balance, you'll carry a balance and be charged interest on the remaining amount.