Credit One Bank Pay Bill Online: How To Pay Bills Online

Credit One is a Non Banking Financial Company (NBFC) addressing working capital, digital payment & expense management needs of Fleet MSME’s. Credit One Bank Pay Bill Online options include Express Payment or Standard Payment.

Founded by senior professionals from banking, payment & loyalty card industry and having combined industry experience of 100+ years as its base, Credit One is backed by strategic alliances with a Fortune 500 companies & world’s most valuable startup.

As a speciality finance company, we provide customized credit line aligned to requirements of our customers. With our technical expertise at core, we provide solutions for efficient utilization of this credit line coupled with business control requirements of customers.

How can I make a Credit One online payment?

You can make a Credit One online payment, after setting up your online account. To do so, go to the Credit One online account page and fill out the information. The form is simple, mostly asking about your personal info and card details. From there, you’ll fill out a few questions for security purposes. After you’ve set up your online account and verified the information, you’ll be able to easily make payments online and set up reminders for your bill due date.

Credit One Bank Pay Bill Online: Express/Standard Payments

You can make a Credit One online payment using a debit/ATM card or your bank account. Credit One also offers two online payment options: Express Payment or Standard Payment.

With Express Payments, you can use either your debit card or your bank account, and your available credit should update by the following day. For Standard Payments, you can only use a bank account and your available credit will update within 7 days. There is no fee for making a Standard Payment, but making an Express Payment will cost you $9.95. To ensure you don’t get charged any late fees, your online payment must be submitted by 2pm PST the day of your due date.

Once your online account has been set up, you can access your account from your smartphone using the Credit One Bank mobile app.

Frequently Asked Question

1: What are the differences between an Express Payment and a Standard Payment?

When you choose the Express Payment option and pay with a debit/ATM card, your available credit will increase the next day for payments made by 2:00 p.m. (Pacific Time) Sunday – Friday. Your available credit will increase within 2 days for payments made by 2:00 p.m. Saturday. If an Express Payment is made from a Bank Account, your available credit will reflect the first $100 of your payment the next day for payments made by 2:00 p.m. (Pacific Time) Sunday – Friday. The balance of your payment will increase your available credit within 7 days. For payments made by 2:00 p.m. (Pacific Time) on Saturday, your available credit will reflect the first $100 of your payment within 2 days and the remaining balance of your payment will increase your available credit within 7 days. If Saturday is the last day of the month, payments made on the preceding Friday by 2:00 p.m. (Pacific Time) will increase available credit on Sunday and for payments made on the following Sunday before 2:00 p.m. (Pacific Time) available credit will increase on Tuesday.

The Standard Payment option is available only with a Bank Account and your Available Credit will increase within 7 days.

2: How do I know if a payment has posted to my account?

Posted payments appear in the ‘Posted Activity’ section of the ‘Overview’ page.

When will my payment post?Payments made by 2:00pm (Pacific Time) Sunday through Friday will post that same day, displaying online the following business day. Payments made after 2:00pm (Pacific Time) and before 5:00pm (Pacific Time) will post on the next business night and be back-dated to the actual date received, displaying online the following business day. Payments received after 5:00pm (Pacific Time) Saturday through Thursday will post and display online the following business day. Payments received after 5:00pm (Pacific Time) Friday and before 2:00pm (Pacific Time) Saturday will post on Sunday and be back-dated to Saturday and display online the following business day.

3: What if my payment posts after my payment due date?

You will be assessed a Late Fee unless your payment posts on or before your payment due date.

4: Is there a limit to how much I can pay using Pay Bill?

Yes. The maximum amount you can pay is your Balance.

5: Is there a minimum allowable payment when using Pay Bill?

Yes. The minimum allowable payment is $1.00. However, to avoid a Late Fee we suggest that you pay at least your Minimum Payment.

6: Is there a fee for making a payment online?

There is no fee charged if you choose the Standard Payment option. A fee of $7.95 will be charged if you choose the Express Payment option.

7: May I still mail in a payment even if I’ve set up Online Account Access?

Yes. You can mail in a payment along with the payment coupon attached to your monthly statement. Please note that payments received by mail will have an effective payment date of the date they are received, but will not be processed on the following holidays: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, or Christmas Day. Please allow sufficient time for your payment to arrive. We recommend that you do not send cash through the mail.

8: What is your payment mailing address?

You can mail payments to: Credit One Bank, Payment Services, P.O. Box 60500, City of Industry, CA 91716-0500.

9: May I make a payment using either MoneyGram or Western Union?

Yes. You may send us a payment by using MoneyGram’s ExpressPayment service. In addition to providing your 15 or 16-digit Credit One Bank credit card account number, you will need to provide MoneyGram with our 4-digit Receive Code, which is 1430. You may also send us a payment by using Western Union. You will need to provide Western Union with your 15 or 16-digit account number and with our “code city” which is CREDITONEBANK and our “code state” which is NV. Both MoneyGram and Western Union charge fees for their services.

10: How does the bank account verification process work?

With your authorization, we’ll make two deposits into your bank account, each for an amount between $0.01 and $0.99 and a single withdrawal that equals the combined total of the two deposits. You will need to sign in to Online Account Access and enter each deposit amount to verify your bank account before submitting any other electronic payments.

11: What is bank account verification and why do you need to verify my bank account?

Bank account verification is a process that we utilize to protect your Credit One Bank account against fraud. We need to verify bank accounts when more than a certain number of payments are made to an account in a month to ensure that no fraudulent activity has taken place.

12: Can I schedule a payment for a future date?

Yes. You can schedule a payment up to 30 days in the future with the Standard Payment option. Note that you can only have one pending future-dated payment at any given time. Payment scheduling is not available for any of our other payment methods. 

13: Can I cancel a scheduled Standard Payment?

Yes. After a Standard Payment is scheduled, you can cancel it from the ‘Pay Bill’ page. A payment cancellation must be submitted by 11:59 p.m. (Pacific Time) on the day before the scheduled payment date.