If you have a Lord & Taylor credit card, you may be wondering what the best way is to pay your bill each month. Lord & Taylor credit cards are actually issued by Capital One, so you have multiple options for making payments easily and on time. In this comprehensive guide, we’ll walk through all the ways to pay your Lord & Taylor credit card bill, both online and offline.
Overview of Payment Options
Lord & Taylor credit cardholders have the following options to pay their bill each month
- Online through the Capital One website or mobile app
- By phone through the automated system or live agent
- By mail with a check or money order
- In person at a Capital One branch
Below we’ll outline the steps to use each payment method, along with the pros and cons of each. Paying online is the simplest option for most customers, but we’ll cover all the ways to pay in case you need or prefer an alternative.
Paying Online
The easiest way for most people to pay their Lord & Taylor credit card bill is online through the Capital One website or mobile app. Here’s how to pay online:
-
Go to lordandtaylorcapitalonecom and log in to your account.
-
From the account overview page select “Make a Payment” or click on “Pay Bill” in the sidebar menu.
-
Enter the payment amount and date you want it processed.
-
Select whether to pay from your bank account or a different stored payment method.
-
Review the details and submit the payment.
You’ll get a confirmation page and email after the payment goes through. The online system is available 24/7, so you can pay your bill at any time of day or night.
You can also set up automatic recurring payments through the website so your bill gets paid automatically each month.
Benefits of Paying Online
Paying your Lord & Taylor credit card bill online offers these advantages:
- Fast and convenient payment processing 24/7
- Ability to schedule one-time or recurring payments
- Access payment history and manage payment methods
- Avoid late fees by paying any time before the due date
- No stamps or checks required
Paying by Phone
If you prefer to pay your credit card bill over the phone, Lord & Taylor offers two phone payment options:
Automated Payments
You can use the automated phone system to pay your bill 24/7 by calling:
1-888-561-8861
Follow the voice prompts to enter your account information and make a payment from your bank account. It’s quick and easy since you don’t have to wait to speak with an agent.
Payments with Live Agent
To speak with a Capital One agent and pay your bill, call:
1-800-955-7070
The agents are available 24 hours a day, 7 days a week. When prompted, say “Make a payment” to be transferred to the payments team. You can pay from any stored payment method and get assistance with other billing questions.
Paying by Mail
If you prefer to mail in your payment the old-fashioned way, you can send a check or money order to:
Capital One
PO Box 71083
Charlotte, NC 28272-1083
Make the check or money order payable to Capital One and include your Lord & Taylor credit card account number on the memo line.
Allow 5-7 days for mail delivery to ensure your payment arrives by the due date printed on your statement. Do not send cash through the mail.
Paying In Person
You also have the option to make a payment in person at any Capital One branch. Bring your credit card or billing statement with you.
Branch locations can be found using the Branch Locator tool on the Capital One website. Stop by during normal business hours to make a payment with a Capital One associate.
Setting Up Automatic Payments
For maximum convenience, consider setting up automatic recurring payments through the Capital One website. This way your Lord & Taylor credit card bill gets paid automatically each month on the due date.
You won’t have to remember to log in and submit payments manually. Just make sure you have enough funds in your linked bank account when the autopay date comes around.
Avoid Late Fees and Keep Account in Good Standing
No matter which payment method you choose, the key is paying your Lord & Taylor credit card bill in full and on time each month. Late or missed payments can result in:
- Late fees of up to $40 per occurrence
- Increased interest rates
- Damage to your credit score
Setting calendar reminders and autopay can help prevent late payments. Review statement due dates and account balances regularly too.
Know Your Account Activity
In addition to promptly paying your bill, also monitor your Lord & Taylor credit card for fraudulent charges. Report any unauthorized activity immediately.
Log in to your account routinely to check recent transactions and statements. Enabling notifications can also help you stay on top of account activity.
Frequently Asked Questions
What is the Lord & Taylor credit card customer service number?
The number to call for billing questions and to speak with a live agent is 1-800-955-7070.
What is the fastest way to pay my Lord & Taylor credit card bill?
The quickest payment method is through the automated phone system at 1-888-561-8861 or online through the Capital One website.
Can I pay at a Lord & Taylor store?
No, you cannot pay your Lord & Taylor credit card bill at a retail store location. You must use one of the Capital One payment methods.
Is there a fee for paying by phone?
No, Capital One does not charge a fee for paying your credit card bill by phone, whether using the automated system or live agent.
Manage Your Account Easily
Paying your Lord & Taylor credit card bill should be quick and easy each month. Now that you know the available payment options, choose the one that fits your needs. Automated payments or autopay provide the most convenience. Just be sure to monitor your account activity and contact Capital One with any issues.
