When Is Your Card Payment Considered Late?

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Updated on Friday, March 30, 2018

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Knowing when a credit card payment is considered late is tricky.

Really, what it comes down to is how late in the day you can submit a payment online and have that payment register with your credit card issuer. Each credit card issuer requires payments to be submitted by a certain time of day in order for that payment to hit your account the same day.

This can be confusing to keep track of, especially if you have multiple credit cards. And, yet, it’s crucial to be sure you’re submitting payments on time each month.

Paying past the cutoff time may cause you to be late on a payment, and risk late fees and penalty rates. Not only that, but late payments can hurt your credit score, too.

It’s also important to be aware that payment cutoff times may be listed in a different time zone than where you reside. In the table below, all times are Eastern, except for American Express payments which are Mountain. For example, if your payment is due at 7:59 p.m. MT and you live in California, you will actually need to submit your payment by 6:59 p.m. PT. Then, if you live in New York, you will need to submit your payment by 9:59 p.m. EST. If you are ever unsure what time your payment is due, simply look up the time conversion by searching “7:59pm mt to et” or similar terms.

Here are the cutoff times for payments to be credited same-day from the major credit card issuers as well as where to mail payments:

 

Online

Phone

Mail


American Express

7:59 p.m. MT

7:59 p.m. MT

American Express
P.O. Box 650448
Dallas, TX 75265-0448

Express mail*:
American Express
Attn: Express Mail Remittance Processing
20500 Belshaw Ave.
Carson, CA 90746


Bank of America

11:59 p.m. EST

11:59 p.m. EST

Bank of America
P.O. Box 15019
Wilmington, DE 19850-5019

Overnight address*:
Bank of America
Attn: Payment Processing
DE5-023-03-02
900 Samoset Drive
Newark, DE 19713

Barclaycard

6:59 p.m. EST

6:59 p.m. EST

Card Services
P.O. Box 60517
City of Industry, CA 91716-0517

Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337


Overnight addresses*:
Remitco
Card Services
Lock Box 60517
2525 Corporate Park, Suite 250
Monterey Park, CA 91754



Card Services
400 White Clay Center Drive
Newark, DE 19711


Capital One

7:59 p.m. EST,
Monday-Saturday

7:59 p.m. EST,
Monday-Saturday

Capital One
Attn: Payment Processing
PO Box 71083
Charlotte, NC 28272-1083

Overnight address*:
Capital One
Attn: Payment Processing
6125 Lakeview Rd
Suite 800
Charlotte, NC 28269


Chase

11:59 p.m. EST

11:59 p.m. EST

Cardmember Services
P.O. Box 6294
Carol Stream, IL 60197-6294

Citibank

11:59 p.m. EST

11:59 p.m. EST

Citibank / Choice P.O. BOX 9001037
Louisville KY, 402904-1037

Overnight address*:
Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213

Discover

11:59 p.m. EST; except for payments made on your due date — those must be made by 4:59 p.m. EST

11:59 p.m. EST; except for payments made on your due date — those must be made by 4:59 p.m. EST

Discover Financial Services
P.O. Box 6103
Carol Stream, IL 60197-6103

HSBC

12:59 p.m. EST

12:59 p.m. EST

HSBC Bank USA, NA
PO Box 4657
Carol Stream, IL
60197-4657

Wells Fargo

11:59 p.m. PST

11:59 p.m. PST

Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493

Express mail*:
Lockbox Services 51193
Attn: WF Consumer Credit Card
3440 Flair Drive
El Monte, CA 91731


*Overnight or express payments need to be sent with express mail services such as FedEx, UPS, and DHL to ensure quick delivery.

Other ways to pay your credit card bill

The best (and easiest) way to make sure your payments are on time is to complete a payment online. You can also pay over the phone by dialing the number on the back of your card or via mail. For mail payments, you need to include any applicable payment slips that came with your bill as well as your account number on the front of your check. And then you’ve got to factor in several days for your letter to arrive at the credit issuer, too. Allow a minimum of seven days for the payment to be processed.

What happens if my bill is due on a weekend or holiday?

If your bill happens to be due on a weekend or holiday, stick with paying your bill electronically and not mailing it, since mailed payments might not be received in time. Mailed payments will only be credited as on-time for weekend or holiday due dates if received the next business day by the cut-off time and the bank does not accept any other form of payment on the due date.

That means if your payment is due Sunday, April 15th and the bank does not accept any payments that day — including electronic and telephone — then your mailed payment will be considered on-time as long as it’s received by Monday, April 16th by the cut-off time. On the other hand, if the bank accepts electronic or telephone payments on your payment due date (Sunday, April 15th), a mailed payment received on Monday, April 16th by the cut-off time will be considered late.

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