Online Credit Card Payments

By David

You may have heard that there is a new option available for those looking to pay their credit cards. If so, you have heard correctly. No longer must you suffer through the tedious process of paying your credit cards with checks sent through the ponderously slow mailing system. Instead, you can make online credit card payments.

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Through your banks website

The first way for you to go about making online credit card payments is to go through your banks website. In order to do this you must first login to your banks website and go to the bill pay section. Next you’ll need to set up a “pay to” account for your credit card.

This is a fairly simple process. You’ll select your credit card company from a list of companies that accept payments from your bank and then enter your card information including name, number, expiration date, and CCV (a 3 or 4 digit security code on the back of your card next to the signature line). Once this information is entered you will want to save it, thus creating your “pay to” account for the credit card. Once set up you just select the account, enter the amount you would like to pay and send the payment.

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Another option available through your bank is the automatic payment system. This is a simple matter of setting up the “pay to” account as above and selecting the “recurring” option when you submit your payment. This will schedule an automatic payment for that amount each month. This option is great if you have a fairly consistent amount to pay each month and helps avoid accidental late fees.

Through your cards website

The other method for making an online credit card payment is through your credit card company’s website. This method is only a little different from using your banks site. You will want to logon, and select the “make a payment” button located somewhere on your main page. Once on the payments page, enter your payment information (either for a check or a debit card) and the amount you wish to pay and then send your payment. This type of payment usually goes through right away, unlike the through the bank method which can take a few days.

If you paid with your debit card, you can save this information for future online credit card payments and even use it to set up automatic payments. This type of automatic payment is a little different as you do not set the amount being paid, but rather your debit card will simply be charged the minimum balance due each month. This is a great option for avoiding any accidental late fees, and you can always go in manually and pay more on your card later if you so choose.

So, you are now aware of the different types of online credit card payment methods and how to set them up. Make sure you use these great tools to make sure your credit card is paid off on time each month.

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