While you can technically use certain methods to pay on the due date, you may want to give yourself a few days’ cushion to avoid the risk of paying late. Schedule the payment. Your timing for scheduling credit card payments can hinge on your payment method.In fact, paying more is a good thing if you’re trying to pay down your credit card balances. Select a payment amount. Your credit card bill will show a minimum payment amount but you can choose to pay more than that.Choose your payment method. Deciding how to pay credit card bills can determine when you need to schedule or send your payment.Here are some helpful tips for making credit card payments each month: If you’ve taken note of your due dates and you know when to pay credit card bills, the next step is actually making the payments. While you may be able to pay credit cards and other bills online or through ACH transfers without a fee from your bank account, you might pay a sizable fee to schedule a wire transfer. There might also be fees to keep in mind. An ACH transfer, on the other hand, can process in 1-2 days. For example, if you know your bill is due on the 20th and you want to send a check, you may need to mail it a week or more in advance to make sure it gets there on time. When choosing a payment method, make sure to consider when credit card payments are due for each account. Cash in-person. If your credit card is through a credit union or traditional bank you may be able to make a payment using cash at your nearest branch.Wire transfer. Wire transfers, either through your bank account or a wire transfer service like Western Union, may be an acceptable form of payment for a credit card bill.ACH transfer. You may be able to pay your credit card bill through your credit card company’s website by providing your bank account number and routing number for an ACH transfer. Check. Sending in a paper check via snail mail is also a way to pay your credit card bill.Online bill payment. If you have a bank account, you may be able to schedule an online payment to your credit card company.Here are some of the options you might have for how to pay a credit card bill: If you have a credit card bill that needs to be paid, you have several ways to do it.
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