Where to Mail Your Chase Credit Card Payment
Send payments to Chase's lockbox, not their branch offices
Chase does not process credit card payments at bank branches. When you mail a payment, it goes to a lockbox—a secure processing center operated by Chase or a third party on their behalf. The address you use depends on which Chase card you hold and which payment method you choose.
The correct mailing address appears on your monthly statement, in the "Pay Your Bill" section. This is the most reliable place to find it because Chase updates these addresses periodically, and using an outdated address delays your payment by days or weeks. If you cannot locate your statement, you can call the customer service number on the back of your card to confirm the current address before mailing.
Payments sent to the wrong address will eventually reach Chase, but the delay can trigger a late fee and damage your credit score. A payment is considered on time only on the date it arrives at the lockbox, not the date you mail it.
Key Takeaways
- The mailing address for your Chase credit card payment is printed on your monthly statement in the "Pay Your Bill" section, and this address changes occasionally.
- Chase uses lockbox processing centers, not branch offices, so you cannot hand-deliver a payment to a local Chase bank.
- A payment is on time only when it arrives at the lockbox address, not when you mail it, so allow 5 to 7 business days for mail delivery.
- If you cannot find your statement, call the number on the back of your card to confirm the current mailing address before sending payment.
- Payments sent to an incorrect address will delay your account credit and may result in late fees and credit score impact.
How to find the correct address on your statement
Open your most recent Chase credit card statement—either the paper copy or the PDF from your online account. Look for a section labeled "Pay Your Bill," "Payment Address," or "Make a Payment." The mailing address will be listed there, usually with a note about how many days mail typically takes to arrive.
Some statements also show a separate address for overnight or courier delivery if you need the payment to arrive faster. Do not use a general Chase bank address or the address printed on the back of your card; those are not payment processing locations.
If your statement is more than a few months old, log into your Chase online account or mobile app and pull the most recent statement available. Chase updates lockbox addresses without always notifying cardholders directly, so using the current statement protects you from misdirected mail.
Timing: how long mail takes and when to send it
The U.S. Postal Service typically delivers mail within 5 to 7 business days, though delivery can take longer during holidays or in rural areas. Chase counts a payment as received on the date it arrives at the lockbox, not the date you mail it. If your payment is due on the 15th and you mail it on the 10th, but it does not arrive until the 16th, you will be charged a late fee.
To avoid this risk, mail your payment at least 7 to 10 business days before the due date. If you are cutting it close—within a week of the due date—use a payment method that does not rely on mail, such as online bill pay through your bank, Chase's online payment portal, or automatic payments set up through your Chase account.
If you must mail a payment and the due date is fewer than 7 days away, ask Chase whether they offer overnight or express mail options. Some statements list a separate address for courier services, though these typically cost extra.
What information to include with your mailed payment
Write a check or money order payable to "Chase" or "Chase Bank" (the exact name may vary; check your statement). On the memo line of the check, write your credit card account number so Chase can match the payment to your account quickly.
Include a payment stub if one came with your statement—this stub has your account number printed on it and speeds up processing. If you do not have a stub, write your account number clearly on the check itself or on a separate piece of paper placed inside the envelope.
Do not send cash through the mail. Do not include other documents or letters; they slow down processing and may be lost. Keep a copy of the check or a photo of it for your records, along with the date you mailed it.
Alternatives to mailing: faster payment methods
Chase offers several ways to pay that do not require mail and provide immediate confirmation. Log into your Chase account online or through the mobile app and select "Pay Bill" to make a one-time payment from a bank account. This payment is processed the same day if submitted before the cutoff time (usually early evening), and you receive a confirmation number immediately.
You can also set up automatic payments so your bill is paid on a date you choose each month. Choose whether to pay the full statement balance, the minimum payment, or a fixed amount. Automatic payments eliminate the risk of forgetting a due date and remove the uncertainty of mail delivery.
If you prefer to pay by phone, call the number on the back of your card. A representative can process a payment from your bank account over the phone, though this method does not provide the same documentation as online payment.
What happens if your mailed payment gets lost
If you mailed a payment and it does not appear on your account within 10 business days of mailing, log into your Chase account and check the payment status. If the payment has not posted, contact Chase customer service with the date you mailed it and the check number (if you paid by check).
Chase can sometimes trace a lost payment and may credit your account even if the check was never received, especially if you can provide proof of mailing (such as a receipt from the post office). However, this process takes time, and you may be charged a late fee in the meantime. Once the payment is located or reissued, you can request that Chase reverse any late fees if the delay was not your fault.
To protect yourself, always keep records of mailed payments: the date sent, the amount, and the check number. Taking a photo of the check before mailing provides proof of what you sent and when.
Why branch offices and ATMs cannot accept credit card payments
Chase branches and ATMs are set up to handle deposit and withdrawal transactions for checking and savings accounts, not credit card payments. Attempting to deposit a payment at a branch or ATM will not credit your credit card account; the money will either be rejected or deposited to the wrong account.
Credit card payments must go through the lockbox system so they can be matched to your account number and processed in the correct order. This centralized system also allows Chase to track payment timing for late-fee calculations and credit reporting. Mailing to the lockbox address is the only way to ensure your payment reaches the right place.
Frequently Asked Questions
Can I pay my Chase credit card at a Chase bank branch?
No. Chase branches do not process credit card payments. You must mail your payment to the lockbox address on your statement, pay online through your Chase account, set up automatic payments, or call the number on the back of your card to pay by phone.
What if I do not have my statement and need to mail a payment?
Call the customer service number on the back of your Chase credit card. A representative will provide the current mailing address for your specific card. Do not guess or use an old address, as this will delay your payment.
How long does it take for a mailed payment to show up on my account?
Once the payment arrives at the lockbox, it typically posts to your account within 1 to 2 business days. However, mail delivery itself takes 5 to 7 business days, so plan accordingly. Online payments post the same day if submitted before the cutoff time.
What should I do if I mailed a payment but it has not posted after two weeks?
Log into your Chase account and check the payment status. If it has not appeared, contact Chase customer service with the date you mailed it and your check number. Chase can investigate and may reissue the payment or credit your account if the original payment was lost.
Is it safer to mail a payment or pay online?
Online payment is faster and provides immediate confirmation, eliminating the risk of mail delays or loss. Mailed payments are safe but slower and require you to track delivery yourself. For time-sensitive payments, online payment is the better choice.