Online

If you pay online before 8 p.m. EST, you’ll be credited for paying on that same day; after 8 p.m. EST, you’ll be credited for paying the next day. The transaction may take up to two business days to complete, but you’ll be credited for paying according to the rules just described.

This means if your due date is today but you make an online payment after 8 p.m. EST, your payment will be late because it won’t be credited until tomorrow. And this will probably result in you being charged a late fee. This is an unfortunate situation, because if you’re trying to pay at the last minute but the website is having problems, you might end up late.

In-store

If you pay in-store, your payment will usually be posted to your account immediately, so this can be a good option if you need to pay your bill as quickly as possible. You will not see your balance updated for 24 to 48 hours, but you will be credited for having paid on that day.

By Phone

If you pay by phone, it must be between Monday and Saturday, and between 8 a.m. to 9 p.m. EST. The phone number to call is 1-800-695-9478, or TDD/TTY 1-800-695-1788.

However, you’ll be charged a $9 fee when paying by phone! So you should obviously avoid this payment method if you can help it.


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Victoria's Secret Credit Card Payment

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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