How to pay the Capital One credit card?
A credit card is an incredible payment tool, having one can speed up many things. Additionally, using a credit card judiciously helps build a good credit history and score.
However, to achieve any of these benefits, the cardholder must be punctual with payments to the card.
Capital One presents several options to cancel, either in person, online, by mail, by phone, through an ATM, and through the mobile application.
Personally
If the customer wishes, payment can be made in person in cash at various places. You could pay directly with cash at Capital One Bank branches, at any 7-Eleven, and at Money Services counters at Kroger-brand stores.
Payments can also be made at Western Union and MoneyGram offices which are often located inside Walgreens, Walmart, Rite Aid, and Money Tree.
ATMs
If you have a Capital One checking account, you can use one of the many ATMs free of charge to deposit cash or checks.
Several places where you may find Capital One ATMs are Target, Walgreens, and CVS. However, you can search online or call customer service to find other locations.
You can use the ATM to deposit cash or checks to your Capital One checking account.
Then use that money to pay your Capital One credit card bill online, by phone, or through the mobile app.
Capital One Hours
Payments from your Capital One credit card must be made between the hours of Monday through Friday before 8:00 PM ET, to be posted the following day.
What is recommended is not to wait until the due date to make the payment. If you wait until the last moment, a setback can occur and that already implies a delay in payment.
Where can you pay the Capital One credit card?
Capital One Bank
You can cancel your Capital One credit card account in person at one of its branches. Keep in mind that Capital One agencies do not work on Sundays or holidays.
7-Eleven- PayNearMe
This is a free app that allows you to pay your Capital One credit card bill with cash at any 7-Eleven.
Download the app, create an account and add your credit card account number. You’ll then see a barcode on your phone that any 7-Eleven cashier can scan to accept your payment.
For each paid account the fee is $1.99, and you will be notified when the transaction is complete, plus you will get a receipt as proof of payment.
Money Services
This is a service provided at Kroger-owned stores, including QFC, City Market, Fred Meyer, Fry’s, Dillon’s, Ralphs, Baker’s, and Smith’s, to name a few.
You can fund your Capital One credit card account with cash or a debit card.
Credit card payments will incur a fee (prices vary by location). Payments can be posted the same day or in up to three business days, depending on the payment options available.
MoneyGram
Once you find a MoneyGram location near you, all you need is your account number and cash to make your payment.
Please note that MoneyGram has its own independent stores. Walmart and CVS Pharmacy are also some of their most common locations.
Personal credit card payments through MoneyGram are cash only. There is also a charge of $0-$9.99, depending on the location you choose.
Western Union
You’ll need the biller’s name and account number to make your Capital One card payment at Western Union. Some branches accept debit cards and cash. Western Union’s most common locations, aside from its own stores, are Walgreens, US Bank, and Kroger-owned stores.
Capital One credit card programs for struggling customers
To support struggling customers, Capital One provides card payment programs to customers who qualify for assistance.
There are payment plans or extensions, deferrals, payment adjustment programs, as well as other forms of support. Capital One has decided that it is better to help customers pay a few bills than to write off the entire account.
This approach of offering an emergency or even long-term hardship plan benefits both parties as everyone saves money in the end.
Capital One’s hardship programs provide many types of assistance, including interest waivers for up to one year, debt settlement, deferments, and a wide variety of payment plans.
They have offered cardholders zero percent interest rates for up to 6 months to help them pay off their bills, they also offer full account payoffs.
Some of the other solutions include payment plans, forbearance, and removal of some fees.
How to Apply for Hardship Payment Plans
If you do it by phone you have two options, by dialing Capital One’s main number which is 1-800-955-7070, or by calling the phone number on the back of your card.
There are also other ways to get help. Go to the nearest agency and meet with a customer service representative.
Ask about payment plans, deferments, or other forms of financial support. If possible, ask for a referral to a Capital One emergency program.
Other options to pay the Capital One credit card
How to pay capital one credit card online
- Set up a payment account using your bank information.
- Make the payment
Schedule automatic payments on the date that suits you best
- Set up a payment account using your bank information.
- You can schedule the payment automatically.
Once you’re up to date, you can change your due date to whatever works best for you.
How to pay capital one credit card by mail
Find the correct address to send your payment to Capital One. Be sure to write your credit card account number on your check.
Set payment reminders
You can set alerts to be reminded of your card payment date in time. First, you must register, once the registration is done you will be directed to the alerts page.
Use the mobile app
You can instantly deposit checks into your Capital One account using your mobile phone. You can also transfer money between banks with Capital One Online Banking.
But this somehow takes a bit more time. This may be an alternative in the future when you link your bank accounts.
Once the money is available in your account, you can use it to pay off the credit card.