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Having a Mastercard credit card makes shopping, traveling, and managing expenses convenient. But those charges need to be paid off in a timely way to avoid interest charges. Here’s a guide on the various ways you can pay your Mastercard credit card bill each month.
Online Payments
One of the most popular ways to pay your Mastercard bill is online through your card issuer’s website Here’s how online payments work
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Log in – Go to your card issuer’s website and login to your account This allows you to access your account details
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Review statement – Look over your latest statement to see your balance, payment due date, interest charges, etc Understanding your statement helps you determine how much to pay
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Enter payment info – Select the “Make a Payment” option and input how much you want to pay. Then provide checking account or another payment method info.
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Get confirmation – After submitting the payment, you’ll receive a confirmation number and receipt via email for your records.
Paying online is fast, secure, and lets you easily manage payments anytime. You can schedule one-time or recurring payments to make sure your bill always gets paid on time.
Mobile App Payments
Many card issuers also offer a mobile app to manage your account. The app allows you to pay your bill on-the-go from your smartphone or tablet.
To pay via your card’s mobile app:
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Download the app – Get your card’s app from the Apple App Store or Google Play Store and install it on your device.
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Login to app – Open the app and login with your account username and password.
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Select pay option – Choose the “Make Payment” or similarly named option in the app menu.
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Input payment details – Just like the website, you’ll enter the payment amount and payment method details.
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Get confirmation – After submitting the payment, you’ll receive instant confirmation within the app.
With mobile pay, you don’t need your laptop to pay your bill. It’s super convenient for travel or paying bills on the couch.
Pay by Phone
Every Mastercard issuer has an automated phone payment system you can use to pay your bill. Here’s how phone payments work:
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Call the number – Your card issuer will have a dedicated phone number for payments listed on your statement. Dial this number.
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Provide account info – Follow the voice prompts to input your account number, address, and other verifying details.
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Enter payment amount – Use your phone keypad to enter how much you want to pay on your account balance.
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Input payment method – Follow prompts to provide checking account or credit/debit card details to complete the payment.
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Get a confirmation number – Make sure to write down the confirmation number you receive after the payment processes.
If you don’t have your laptop or just prefer phone payments, it’s a reliable option accepted by all issuers.
Pay by Mail
Paying by physical check through the mail is an old school option that’s still accepted. To mail a Mastercard payment:
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Write the check – Write a check made out to your card issuer for the amount you wish to pay. Include your account number in the memo line.
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Include payment stub – Tear off the payment stub from your latest statement and include it with your check. This ensures proper account crediting.
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Mail to address – Each issuer provides a payment mailing address on statements. Mail your payment with the stub to this address via USPS.
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Keep receipt – Depending on the timing, mail payments can take 5-7 days to post. Keep the mail receipt to track delivery.
While slower than electronic payments, paying by mail is still a valid option accepted by issuers if needed.
In-Person Payments
Some card issuers also allow in-person payments at local bank branches. Here’s how that works:
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Locate branches – Check your issuer’s website or call to find nearby branches that accept credit card payments.
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Gather information – Have your account number, ID, and payment amount/method ready for an efficient in-person payment.
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Visit the branch – Go to the branch during open hours and let staff know you need to make a credit card payment.
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Make the payment – Provide the prepared payment information and staff will process your payment on the spot.
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Get a receipt – Make sure to get a receipt with confirmation number when your payment is complete.
Paying at a local branch allows same day posting and personal assistance if needed.
Tips for Paying Your Mastercard Bill
To manage your payments with minimal hassle, keep these tips in mind:
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Set payment reminders or enroll in autopay to avoid missed payments and interest charges.
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Always pay at least the minimum amount due to keep your account in good standing.
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Pay more than the minimum when possible to reduce principal faster and save on interest fees.
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Look for any fraudulent or inaccurate charges and report them right away before paying.
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Keep payment receipts and confirmation numbers in case you need to research payment questions later.
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If you can’t pay in full, call your issuer before the due date to discuss payment plan options.
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Take advantage of balance transfer or lower interest rate offers if available to reduce your rate.
Paying on time every month maximizes the benefits of your Mastercard and keeps costs low. Follow the steps outlined here for quick, easy payment via your preferred method.
When should I pay my credit card bill?
When is the best time to pay your credit card? You have two good options: on-time or early.
Your credit card payment history makes up 35 percent of your FICO credit score, which means that regular, on-time payments are an essential part of building good credit. You won’t have to pay any interest on your purchases if you pay off your credit card statement balance every month; however, experts recommend paying off your balance every two weeks.
On the other hand, missing a payment or making a late payment is not only bad for your credit score but can also cost you. If you don’t make your payments on time, your credit card issuer might charge late payment fees or raise your interest rates to the penalty APR level.
When do I receive my credit card bill?
Billing cycles generally last between 28 and 31 days. You’ll receive your credit card statement at the end of your billing cycle, either by mail or electronically, depending on your preferences.
Your credit card bill due date should be the same date every month, and you should also expect to receive your credit card bill on or around the same date each month. The Credit CARD Act of 2009 requires credit card issuers to give consumers at least 21 days between the date the statement is mailed or delivered and the date the payment is due. This should give you enough time to review your statement, dispute any unfamiliar charges and make your payment on time.
BEST Day to Pay your Credit Card Bill (Increase Credit Score)
FAQ
How do I pay my Mastercard online?
How do I access my Mastercard account?
What is the new payment method for Mastercard?
How do I pay my credit card bill?
How do I pay with a MasterCard?
Explore different ways to pay with Mastercard. Make secure payments with just a click, tap or swipe to make everyday purchases. Learn more about the payment methods.
How do I pay a credit card bill?
How to Pay Credit Card Bills in 5 Steps: Link a checking account to your credit card, using the account number and routing number for the checking account. Make the checking account the primary source for credit card payments. Schedule recurring payments to be made monthly by the due date, or choose to make a one-time payment on a certain date.
How do I pay my credit card online?
All you need is the information for your payment account. Online bill pay: You can sign into your credit card account using your card issuer’s website. Once you provide your bank account (or debit card) details, you can start to make your credit card payment online.
How do I pay my credit card bill on time?
If you want to make sure you pay your credit card bill on time every month, automatic payments are one of the best ways to get the job done. When you set up autopay online, money is automatically withdrawn from your bank account to make your credit card payment.
What is click to pay by MasterCard?
Click to Pay by Mastercard is a smarter and secure way to make online payments. Speed through checkout in just a few clicks at any participating merchant. Learn how.
When can I pay my credit card bill?
According to the law regulated by the Consumer Financial Protection Bureau, payments received by 5 p.m. must be credited the same day. Your due date isn’t the only time you can make a payment. You can also pay your bill early or make multiple payments each month, depending on the card. Should you carry a balance your credit card?