How to Pay Your Revel Credit Card Bill

How Revel Credit Card Payments Work

Revel is a credit card issued by Coastal Community Bank, and you can pay your bill online through your account portal, by phone, by mail, or through automatic payments. The payment method you choose affects when the money reaches Revel and whether you risk a late fee. Most cardholders set up automatic payments so the bill is paid on the same day each month without having to remember.

Your payment due date appears on your monthly statement and is usually 21 to 25 days after your statement closes. Paying by the due date keeps you from incurring late fees and protects your credit score. If you pay after the due date, Revel reports the late payment to credit bureaus, which can lower your score and make future borrowing more expensive.

Key Takeaways

• You can pay Revel online, by phone, by mail, or through automatic payments, and each method has different processing times.
• Payments made online or by phone usually post within one to two business days, while mailed checks can take five to seven business days.
• Your due date is printed on your statement, and paying after that date triggers a late fee and a report to credit bureaus.
• Setting up automatic payments from your bank account removes the risk of forgetting and ensures on-time payment every month.

Paying Online or by Phone

The fastest way to pay Revel is through your online account or by calling their customer service line. Log into your Revel account on the Coastal Community Bank website, navigate to the payments section, and enter the amount you want to pay and the date you want it to process. You can pay from a checking or savings account using your routing and account number, or from a debit card.

If you call instead, a representative will walk you through the same information over the phone. Online payments typically post within one business day; phone payments may take up to two business days. Both methods are free and do not charge a convenience fee, so there is no reason to choose one over the other except for your own preference.

Setting Up Automatic Payments

Automatic payments remove the need to remember your due date or log in each month. In your online account, you can set up a recurring payment that pulls money from your bank account on a date you choose—usually the due date or a few days before. You can pay the full statement balance, a fixed dollar amount, or just the minimum payment, though paying only the minimum means you will carry a balance and pay interest.

If your income varies month to month, you can set up automatic payments for the minimum amount to avoid overdrafts, then log in on months when you have extra money and make an additional payment. You can change or cancel automatic payments anytime through your account settings, so there is no lock-in if your situation changes.

Paying by Mail or Check

If you prefer to mail a check, write it to Coastal Community Bank and include your Revel account number on the check itself. Mail it to the address listed on your statement under "Payment Address"—do not send it to a branch location, as it will be delayed. Allow five to seven business days for a mailed check to arrive and post to your account.

Mailing a check is slower and riskier than other methods because the payment can be lost or delayed in transit. If you are close to your due date and choose to mail a payment, you risk a late fee if the check does not arrive by the due date. Use mail only if you have no other option or if you are paying well ahead of your due date.

What Happens If You Miss a Payment

If your payment does not post by your due date, Revel charges a late fee—the amount depends on your card terms but is typically $25 to $40 for the first late payment. More importantly, Revel reports the late payment to the three major credit bureaus (Equifax, Experian, and TransUnion), and that report stays on your credit report for seven years. Even one late payment can lower your credit score by 50 to 100 points or more, depending on your current score.

If you miss a payment, contact Revel as soon as you realize it. Some issuers will waive a late fee if you call within a few days and have a clean payment history. The sooner you bring your account current, the better—the longer a payment stays late, the more damage it does to your credit score and the harder it becomes to recover.

Understanding Interest and Minimum Payments

If you carry a balance on your Revel card from month to month, interest accrues daily on that balance. Your minimum payment covers only a portion of the interest and principal, so paying only the minimum means you will pay far more in interest over time. For example, a $5,000 balance at 18% interest will cost you thousands of dollars in interest if you pay only the minimum each month.

Your statement shows both your minimum payment and your full balance due. Paying the full balance by the due date means you pay no interest at all. If you cannot pay the full balance, pay as much as you can above the minimum to reduce the interest you owe. Even an extra $50 or $100 per month can cut years off your payoff timeline and save you hundreds in interest.

Frequently Asked Questions

Can I pay my Revel card with a credit card or another card?

No. Revel only accepts payments from a bank account (checking or savings) or a debit card. Paying a credit card with another credit card is not allowed by most issuers and would count as a cash advance, which carries higher interest rates and fees.

What time of day do online payments post?

Payments submitted online typically post within one business day, but the exact time depends on when Revel processes batches. Submitting your payment early in the morning gives it the best chance of posting the same day, though you should assume one business day as the standard.

If I pay more than my statement balance, what happens to the extra?

The extra amount becomes a credit on your account and is applied to your next month's balance. You can also request a refund of the credit, though most people leave it on the account to reduce next month's payment.

Do I have to pay the full balance, or can I pay just part of it?

You can pay any amount between the minimum payment and the full balance. Paying more than the minimum reduces your interest charges but does not affect your due date—your next payment is still due 21 to 25 days after your next statement closes.

What should I do if my automatic payment fails?

Check your bank account to see if the payment was rejected due to insufficient funds or a closed account. Contact your bank first to confirm the issue, then log into your Revel account and make a manual payment right away to avoid a late fee. You can also call Revel to ask if they can re-attempt the automatic payment.