9.3 Paying your credit card bill by post

• Send payment at least 4 working days before payment due date
• Chequebook or postal order and bank giro credit slip needed

You normally need to be quite organised to pay your credit card bill by post because you need to send the payment off at least 4 working days before the ‘payment due date’ (longer if you are sending your payment from abroad).

A working day is any day of the week which is not one of the following (in England and Wales): Saturday, Sunday, a public holiday or a bank holiday.

This means that you not only need to remember that you need to pay your bill but you also need to remember to send the payment at least 4 working days before the due date. This will be harder because the ‘working days’ will mean that the date you need to send your payment will rarely be the same but the due date always will be. For example, if your due date is Monday 23rd June, you would need to send your payment by the end of the working day Tuesday 17th June.

To pay your credit card bill by post you need to fill in the bank giro credit form attached to your credit card bill and send it off to the credit card company, along with a cheque for the exact amount (including the decimal points).

You will need to make the cheque payable to whoever the credit card company states on the back of the bill in the section giving details about paying your bill. Most companies also require you to write some of your details next to the company name in the ‘Pay...’ section of your cheque, for example:

Credit Card Company (A Jones – XXXX  XXXX XXXX)

Some credit card companies also ask you to put additional information on the back of your cheque, such as your postcode, in case it gets separated from your bank giro credit slip.

Most credit card companies enclose a pre-paid envelope with your bill for you to use to send your credit card payment off. If they don’t, the address you need to send your cheque payment to will be printed in the ‘Paying your bill’ section on the back of your statement.

Never send cash in the post to pay any type of bill as it isn’t safe and the company will probably just send it right back to you.

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