Where to send your BP credit card payment

BP credit card payments go to a specific mailing address that appears on your statement and in your online account. The address changes depending on whether you're paying by mail or setting up automatic payments, so check your most recent statement or log into your account to confirm the current address before you mail a check.

If you pay online through BP's website or mobile app, you won't need a mailing address at all — the payment posts directly to your account. You can also call the customer service number on the back of your card to make a payment over the phone, and the representative will confirm where your payment is being sent.

Key Takeaways

  • BP credit card payments can be made online, by phone, by mail, or through automatic bank transfers, and each method has a different processing time.
  • Online and phone payments usually post within one business day, while mailed checks typically take five to seven business days to reach BP's processing center.
  • Setting up automatic payments from your bank account ensures you never miss a due date, though you can change or cancel the arrangement anytime.
  • Your payment due date appears on your statement and in your online account, and paying after that date triggers a late fee and may affect your credit report.

Making a payment online or through the mobile app

Log into your BP credit card account on the BP website or open the BP mobile app, then look for a "Make a Payment" or "Pay Now" button, usually on the account dashboard. You'll enter the amount you want to pay and choose the date you want it to post — most same-day or next-day options are available if you pay before a certain time in the afternoon (usually 5 p.m. Eastern).

You can pay from a checking or savings account linked to your BP account, or use a debit card. The payment posts within one business day in most cases. If you're paying close to your due date, choose the earliest posting date available to avoid a late fee.

Paying by phone or automatic bank transfer

Call the number on the back of your BP credit card to speak with a representative who can process a payment when ready. Have your bank account or debit card information ready. Phone payments also post within one business day.

For automatic payments, log into your online account and select "Set Up Autopay" or a similar option. You'll link your bank account and choose whether to pay the full statement balance, a fixed amount, or the minimum payment each month. Automatic payments post on the date you choose, and you can modify or stop them anytime through your account settings.

Mailing a check or money order

Write a check or money order payable to BP and include your account number on the memo line. Mail it to the address shown on your statement under "Payment Address" — this is different from the address where you receive your bill. Processing takes five to seven business days from the time BP receives the envelope, so mail your payment at least a week before your due date to avoid a late fee.

If you're mailing close to your due date, consider paying online or by phone instead, since those methods post faster. Keep a copy of the check or a photo of the money order for your records until the payment appears in your account.

Understanding your due date and late fees

Your due date appears on your monthly statement and in your online account. Payments received after 5 p.m. Eastern on that date are considered late. A late fee (the amount varies by card terms) is added to your balance, and the late payment may be reported to credit bureaus if it's 30 days or more past due.

Even one late payment can lower your credit score and may increase your interest rate on future purchases. If you miss a due date, contact BP as soon as possible — some cardholders can have a single late fee waived if they call within a few days and have a clean payment history.

What to do if your payment doesn't post

Check your account two business days after you make a payment to confirm it posted. If it hasn't appeared, log back into your account or call customer service to verify the payment was received. Online and phone payments usually show as "pending" within hours and then move to "posted" status within one business day.

Mailed payments take longer to appear — if you mailed a check more than a week ago and it still hasn't posted, call customer service with the check number and amount so they can trace it. If a payment was lost in the mail, BP can help you stop payment on the original check and resubmit the payment through another method.

Paying more than the minimum to reduce interest

Your statement shows a minimum payment (usually 1 to 3 percent of your balance) and your full statement balance. Paying only the minimum means you'll carry the rest of the balance forward and pay interest on it each month. Paying the full balance by the due date means you owe no interest on that month's purchases.

If you can't pay the full balance, paying more than the minimum reduces the amount of interest you'll owe and helps you pay off the card faster. Any payment method — online, phone, mail, or automatic — works for larger payments. The more you pay toward the balance each month, the less interest compounds over time.

Frequently Asked Questions

Can I pay my BP credit card with a credit card or another card?

No, BP only accepts payments from a bank account, debit card, or check. Paying a credit card with another credit card is not allowed and would be treated as a cash advance by most card issuers, which charges higher fees and interest rates.

What happens if I pay more than I owe?

The overpayment becomes a credit on your account that you can use toward future purchases or statement balances. You can also request a refund of the overpayment by calling customer service, though it may take one to two weeks to process.

Is there a fee for paying online or by phone?

No, BP does not charge a fee for online or phone payments made through their official website, app, or customer service line. Third-party payment services may charge a fee, so pay directly through BP to avoid extra costs.

How do I know if my automatic payment went through?

Log into your account a day or two after your scheduled automatic payment date to confirm it posted. You can also set up account alerts through your online settings to receive a notification each time a payment is processed.

Can I change my due date?

Some card issuers allow you to request a different due date through your online account or by calling customer service. BP's policy on due date changes varies, so contact them directly to ask if this option is available for your card.