How Do I Pay My Regions Credit Card Bill? A Detailed Guide

Paying your credit card bill on time each month is crucial to building and maintaining good credit. When you pay at least the minimum amount due by the due date every month, you avoid late fees, finance charges, and damage to your credit score. Regions offers many convenient ways for customers to pay their credit card bills. This article will go over the different payment options in detail, so you can choose the method that works best for your needs.

Overview of Payment Options

Regions provides the following ways to pay your credit card bill:

• Regions Online Banking
• Regions mobile app
• At a Regions branch
• By phone
• Through the mail

With so many options, you’re sure to find a payment method that fits your preferences and schedule. Keep reading to learn more about using each option to pay your Regions credit card bill.

Step-by-Step Instructions

Here are step-by-step instructions for paying your Regions credit card bill using each payment method:

Pay Online Through Regions Online Banking

Paying online through Regions Online Banking is a fast, secure, and convenient way to pay your credit card bill.

1. Log into your Regions Online Banking account at regionscom

2. From the Accounts page, click on your credit card account.

3. Click “Make Payment” on the credit card account page.

4. Enter the amount you wish to pay. You can choose to pay the minimum amount due, total amount due, or another amount.

5. Select which bank account you want the payment to come from.

6. Click “Continue” and review the payment information.

7. Click “Confirm Payment” to finalize.

The payment will typically process in 1-2 business days. You’ll receive a confirmation email when it goes through.

Use the Regions Mobile App

The Regions mobile app makes it easy to pay your credit card bill on-the-go.

1. Log into the Regions mobile app.

2. Tap into your credit card account.

3. Tap the “Make Payment” button.

4. Enter the payment amount and select the bank account to pull funds from.

5. Review the payment details and tap “Confirm.”

The payment will process within 1-2 business days and you’ll get a confirmation notification.

Pay at a Regions Branch

Stop by a Regions branch to make a payment in person.

1. Visit your nearest Regions branch during business hours.

2. Tell the banker you want to make a credit card payment.

3. Provide them with your credit card details and the payment amount.

4. Choose the account to transfer funds from.

5. The banker will complete the transaction and provide a receipt.

Payments made at a branch before 2 PM local time on a weekday will typically post the same day.

Pay by Phone

Calling Regions customer service is another way to easily pay your credit card bill.

1. Call 1-800-253-2265.

2. Select the “Make a Payment” option when prompted.

3. Provide your credit card details and desired payment amount.

4. Choose a bank account to transfer money from.

5. A representative will process your payment and email you a confirmation.

Payments made over the phone typically take 1-2 business days to post.

Mail a Payment

If you prefer to pay by check through the mail, you can send your payment to:

Regions Credit Card Payments
P.O. Box 2153
Birmingham, AL 35287-2513

Be sure to include your credit card account number on the check or include a payment stub. Allow 5-7 days for mailed payments to process.

Payment Due Dates and Grace Periods

To avoid late fees, make sure your credit card payment arrives by the due date shown on your monthly statement. Regions credit cards have a grace period where you can pay the statement balance in full by the due date to avoid interest charges.

Payment due dates are typically the same date each month. But if the due date falls on a weekend or holiday, your payment will be due the next business day. Check your monthly statement for the exact due date.

Manage Automatic Payments

Setting up automatic monthly payments can ensure you never miss a bill again. Log into Regions Online Banking or contact customer service to set up recurring automatic payments.

You choose the payment amount and which day of the month you want payments to process automatically each month. Just be sure the funds are available in your selected bank account on the payment date.

Track Payment History

Your account transaction history shows all your credit card payments from the past 18 months. You can check your payment history and confirm if your most recent payments have posted by viewing your account details in Online Banking or the Regions app.

Get Payment Receipts

When you pay your credit card bill online, through the mobile app, by phone, or by mail, you’ll receive an email confirmation with payment details that serves as your receipt. For in-person payments, you’ll get a paper receipt from the branch.

Save receipts until the payment appears on your next statement to verify it processed as expected.

Avoid Late Fees

Regions charges a late fee up to $39 if you don’t pay at least the minimum amount due by the due date. Late payments also incur a penalty APR which is higher than the normal interest rate.

To avoid late fees, schedule payments a few days early to account for processing time. Set up autopay or payment reminders to stay on track.

Other Helpful Tips

• If you can pay your balance in full each month, you can take advantage of the grace period and avoid interest charges.

• Processing times range between 1-7 days depending on the payment method, so schedule accordingly.

• Tell Regions if you need to update your bank account number or mailing address to avoid issues.

• Keep your account information secure when paying online or through the mobile app.

• Contact Regions customer service if you have any questions about making credit card payments.

Summary