How to Pay Your Commerce Credit Card Bill Online

Paying your credit card bill on time each month is crucial for maintaining good credit and avoiding late fees. For Commerce credit card holders, paying your bill online through the bank’s website is a quick and easy process. In this article we’ll walk through the step-by-step process for setting up and using Commerce’s online bill pay system.

Why Pay Online?

Paying your credit card bill online with Commerce Bank offers several advantages:

• Convenience: You can pay from anywhere, anytime using a computer or mobile device. No need to mail in checks or visit a branch.

• Speed Online payments post instantly, so you don’t have to worry about your payment arriving on time

• Payment Tracking: You can view your payment history and confirm when payments have posted.

• Automatic Payments: Set up recurring payments so you never miss a due date.

• Reward Points: Paying online allows you to rack up points and redeem rewards faster.

• Paperless Billing: Go green by opting out of paper statements.

• Security Commerce uses encryption and fraud monitoring to keep your information safe,

Paying online helps you manage your account responsibly so you can avoid costly fees and keep your credit score in good standing.

Getting Started with Online Bill Pay

Using Commerce’s online bill pay requires an online banking account. Here are the steps to get set up:

1. Enroll in online banking. You can sign up at commercebank.com. Make sure to have your account number handy.

2. Log in. Enter your user ID and password to access your accounts.

3. Locate Bill Pay. Look for the “Pay Bill” or “Bill Pay” tab. This may be under the “Payments” or “Services” menu.

4. Set up payees. Add the credit card account(s) you want to make payments to.

5. Schedule payments. Select one-time or recurring payment dates and amounts.

Once enrolled, you can start making online credit card payments right away. Commerce also offers bill pay for loans, utilities, and other bills.

Making a One-Time Payment

When you receive your monthly credit card statement, use these steps to make a one-time online payment:

1. Log in to online banking and access bill pay.

2. Under “Payee,” select your credit card account.

3. Enter the payment amount and date. Make sure the date falls on or before the due date.

4. Select “One-time payment.”

5. Review the details and confirm the payment.

6. Check your account activity to verify the payment posted as expected.

One-time payments are useful when you want full control over the timing and amount each month. Just log in and initiate the payment whenever works best for your schedule.

Setting Up Automatic Payments

For maximum convenience, Commerce lets you automate your credit card payments. Here’s how to set up recurring automatic payments:

1. Log in to online banking and access bill pay.

2. Select your credit card account under “Payee.”

3. Toggle “Make this a recurring payment.”

4. Enter the amount and frequency. For example, the statement balance on the due date each month.

5. Pick the start date. Give enough time for the first payment to process.

6. Specify an end date or select “No end date.”

7. Review and submit the request.

With automatic payments, there’s no chance of forgetting a payment or incurring a late fee. The money will be automatically transferred from your linked checking account to your credit card each billing cycle.

Paying Multiple Commerce Credit Cards

If you have more than one Commerce credit card, you can view balances and make payments for each card in a single place:

• Add accounts: When first setting up bill pay, add each credit card account you want to manage.

• View dashboard: Your account overview shows balances and due dates for all added cards.

• Pay all at once: Schedule one payment to cover the total due across multiple cards.

• Pay individually: Set up separate automatic payments per account.

No matter how many Commerce credit cards you need to pay, bill pay lets you easily track everything in one convenient spot.

Payment Status and History

Wondering if your payment went through or keeping tabs on what you paid in the past? Online banking makes it easy to monitor payment activity:

• Confirmation: You’ll get an instant payment confirmation via email or on-screen when you pay online.

• Posting: Payments are typically posted to your account within 1-2 business days.

• Activity: Check your account activity to see recent payments with the amount, date paid, and status.

• Export options: Download or print payment history for recordkeeping.

Being able to verify when payments have gone through provides peace of mind and helps you stay on top of your account.

Credit Card Bill Pay on Mobile

In addition to the website, you can manage Commerce credit card payments via the mobile banking app for Android and iOS. Mobile bill pay capabilities include:

• Pay bills from anywhere.

• Receive payment alerts.

• View account balances and history.

• Set up automatic payments.

• Make one-time payments before due dates.

The convenience of mobile allows you to stay on track with credit card bills no matter where you are. Download the Commerce Bank mobile app and log in with your online banking details to access bill pay on-the-go.

Helpful Tips for Online Bill Pay

Follow these tips to get the most out of paying your credit card online:

• Update your billing address if you move to avoid missed statements.

• Check balances and due dates regularly to avoid surprises.

• Schedule payments several days early to account for processing time.

• Set payment reminders a few days before your due date.

• Contact customer service if you see any discrepancies or issues.

• Take advantage of text and email alerts to stay up-to-date.

• Review payment history before tax time and when reconciling statements.

Using online bill pay responsibly will help you build positive payment habits.

Avoid Costly Late Fees

The #1 benefit of paying your credit card online is avoiding late fees. Commerce charges up to a $39 late fee if you miss your due date. Automating your payments is the best way to never pay late, but you can also use bill pay features to prevent late fees:

• Schedule ahead – Pay at least 5 days before your due date.

• Calendar reminders – Get email or text alerts before due dates.

• Account dashboards – Check due dates and pending payments.

• Payment history – Verify payments posted as expected.

• Recurring payments – Set and forget automated payments each month.

The late fee savings alone make paying your credit card bill online well worth the effort.

Get Started with Online Bill Pay

Managing your credit card payments online is one of the most convenient features available from Commerce. Avoid late fees, earn rewards faster, and simplify your finances by enrolling in online banking bill pay today. The easy set up process and flexible payment options make it easy to stay on top of bills from anywhere. Use these online tools to pay your Commerce credit card on time every month.