Whoops! You looked at the calendar and realized that your credit-card bill is due -- today. Don't panic. You can probably get your payment in under the wire and have it credited to your account without paying an extra fee. Just be sure that you have your credit-card number handy and you know your bank's routing number (the first nine digits on your paper checks).
American Express gives you until 10 p.m. (eastern time) on the due date to make your payment, and the service is free whether you pay online, by phone or by mobile phone. Chase offers several options, too. Use its free WEB Epay service or call the toll-free number on the back of your card by 5 p.m., and your account will be credited the same day. Talking to a live human will cost you $14.95, but you have until midnight to make the call.
The deadline for making payments on Capital One cards is 5 p.m. Your options include paying online, using an automated phone service or even talking to a customer-service representative -- all free. Wells Fargo gives you until midnight to pay and does not charge for any of its services. You can use its Inter-Fi service to transfer funds from another bank to pay your credit-card bill, or you can move funds from a Wells Fargo account or pay by phone.
From just $107.88 $24.99 for Kiplinger Personal Finance
Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Citibank offers numerous payment options for same-day credit, but you must act by 5 p.m. Call the toll-free customer-service number on the back of the card to pay by phone; the automated service is free, but if you talk to a person, you'll pay $14.95. You can also pay online, at one of Citibank's 900-plus branches (either at the teller window or at the ATM) or via your mobile phone -- all at no charge.
-
The Top 10 Side Gigs For Retirees In 2026Money is freedom in retirement; here’s how to earn more of it with a profitable side gig
-
3 Retirement Changes to Watch in 2026: Tax EditionRetirement Taxes Between the Social Security "senior bonus" phaseout and changes to Roth tax rules, your 2026 retirement plan may need an update. Here's what to know.
-
The 'Yes, And...' Rule for RetirementRetirement rarely follows the script. That’s why the best retirees learn to improvise.
-
9 Types of Insurance You Probably Don't NeedFinancial Planning If you're paying for these types of insurance, you may be wasting your money. Here's what you need to know.
-
Amazon Resale: Where Amazon Prime Returns Become Your Online BargainsFeature Amazon Resale products may have some imperfections, but that often leads to wildly discounted prices.
-
Roth IRA Contribution Limits for 2026Roth IRAs Roth IRAs allow you to save for retirement with after-tax dollars while you're working, and then withdraw those contributions and earnings tax-free when you retire. Here's a look at 2026 limits and income-based phaseouts.
-
Four Tips for Renting Out Your Home on Airbnbreal estate Here's what you should know before listing your home on Airbnb.
-
Five Ways to a Cheap Last-Minute VacationTravel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
-
How Much Life Insurance Do You Need?insurance When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb.
-
When Does Amazon Prime Day End in October? Everything We Know, Plus the Best Deals on Samsonite, Samsung and MoreAmazon Prime The Amazon Prime Big Deal Days sale ends soon. Here are the key details you need to know, plus some of our favorite deals members can shop before it's over.
-
How to Shop for Life Insurance in 3 Easy Stepsinsurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
