How to Pay Your Capital One Credit Card Bill In Person

Having a credit card makes life more convenient. You can make purchases easily without carrying cash, earn rewards on spending, and build your credit history. But with this convenience comes responsibility – you need to pay your credit card bill on time each month. Miss a payment, and you could face late fees, a hit to your credit, and higher interest rates.

Paying your Capital One credit card bill in person is one way to ensure your payment gets there on time. Read on to learn the in-person payment options and tips for staying on top of your credit card bills

Overview of Paying Capital One Credit Card Bills In Person

Capital One offers several ways to pay your credit card bill in person. The options include:

• At a Capital One branch
• At Money Services counters inside Kroger stores
• At MoneyGram locations
• At Western Union locations

Paying at a Capital One branch is straightforward – just visit any location and make your payment. The other in-person options allow you to pay with cash at participating retailers.

Below we’ll explore the details of each method so you can choose the right option for your needs. But first let’s look at why paying in person can be useful.

Why Pay Your Credit Card Bill In Person?

Paying your credit card bill in person offers a few potential benefits:

• Avoid late payments – When you pay in person, you don’t have to worry about the mail getting delayed. As long as you pay before the due date, your payment will be on time. This helps you avoid late fees and hits to your credit.

• Immediate payment processing – With online or mailed payments, it may take a few days for the funds to get to your credit card issuer. In-person payments let you pay immediately so there’s no gap.

• Set payment reminders – Visiting a location to pay your bill each month can help remind you that the payment is due. It can be part of your routine.

• Pay with cash – If cash is your preferred method of payment, paying in person allows you to pay with bills rather than linking a bank account.

Now let’s dive into the specifics of each in-person payment option for Capital One credit cards.

Pay at a Capital One Branch

The easiest way to pay your Capital One credit card bill in person is to visit a Capital One location. Here’s how it works:

• Find a branch – Capital One has branches throughout the United States. Use the branch locator to find one near you.

• Visit during business hours – Branch hours are typically 9am to 5pm on weekdays, with some locations open on Saturdays. Branches are closed Sundays and holidays.

• Bring your payment – You can pay by cash, check, or money order. Know your account number or bring your statement. Debit card payments may also be accepted.

• Make your payment – Let the teller know you want to make a credit card payment. Provide your account details and payment amount. Get a receipt as proof of your payment.

• Check your account – Log into your Capital One account online or via the app to confirm your payment was processed.

With over 700 branch locations across the country, paying at a Capital One branch is a convenient way to pay in person.

Pay at Kroger Money Services

Capital One credit card holders can also make payments at Money Services counters located inside Kroger grocery stores. Here’s how it works:

• Find a Kroger store – Kroger operates grocery chains like Fred Meyer, Ralphs, and Smith’s. Use the store locator to find one with Money Services.

• Know the fees – Payments made at Kroger Money Services will incur a fee. The fee amount depends on the payment amount and method.

• Bring your bill – You’ll need your account number and a payment stub or statement.

• Make your payment – Tell the clerk you want to make a credit card payment. Provide your Capital One account details and payment amount. You can pay with cash or debit card.

• Get a receipt – Keep the receipt as proof of your payment.

It may take 1-3 business days for Kroger Money Services payments to process to your account. Factor this into your timing.

Pay at MoneyGram Locations

MoneyGram offers money transfer services at locations like Walmart, CVS, and Walgreens. You can use MoneyGram to pay your Capital One credit card bill in person with cash. Here’s how:

• Find a location – Use the MoneyGram locator to find a participating store near you.

• Know it’s cash-only – MoneyGram bill payments must be made in cash. Debit cards are not accepted.

• Bring your account number – You’ll need your Capital One account number to complete the payment.

• Pay the fees – MoneyGram charges a fee based on the payment amount. The fee is around $1-$12 on average.

• Get a receipt – Keep the receipt as proof of your cash payment.

• Allow processing time – It may take 1 business day for payments to reach Capital One.

For quick cash payments, MoneyGram can be a handy option. Just be prepared to pay the additional fees.

Pay at Western Union

Similar to MoneyGram, Western Union also lets you pay bills in person at participating retailer locations. Here are some tips:

• Find a location – Western Union is located inside places like Kroger, Walgreens, and U.S. Bank. Use the locator to find one.

• Bring cash or a debit card – Western Union accepts both cash and debit cards for bill payments.

• Know your account number – Have your Capital One card number handy to complete the payment.

• Pay the fee – Expect to pay a service fee based on the payment amount, around $1-$12 on average.

• Get a receipt – Keep the receipt as a record of your payment.

• Allow time for processing – It may take 1 business day for Western Union to process payments to Capital One.

Tips for Paying Your Capital One Credit Card In Person

Here are some final tips for successfully paying your Capital One credit card bill in person:

• Check locations hours – Since you’re visiting a physical location, double check operating hours so you don’t make a wasted trip. Weekends and holidays often have reduced hours.

• Bring ID and payment – Have your government-issued ID and a payment method like cash or debit card ready when you arrive.

• Know fees ahead of time – For payment services like MoneyGram and Western Union, understand the fees so you bring enough cash to cover them.

• Pay a few days early – Don’t wait until the due date, which leaves room for delays or errors. Instead, pay at least a few days before your bill is due.

• Get proof of payment – Always get a receipt when you make an in-person payment so you have peace of mind.

• Check your account – Log into your Capital One account after paying to confirm the payment was applied properly.

• Set payment reminders – Mark your calendar so you remember when to make each monthly payment.

Paying Your Credit Card Bill In Person Is Easy

As you can see, Capital One offers several ways to pay your credit card bill in person. The options give you flexibility in how and where you pay. Paying in person can help ensure on-time payments so you avoid fees and issues with your account.

To recap, you can visit:

• Any Capital One branch
• Kroger Money Services counters
• MoneyGram locations
• Western Union locations

If needed, use the store/location finders to identify a convenient place to pay near you. With a few reminders and planning, you can make paying your Capital One credit card bill in person a seamless part of your monthly routine. Responsibly managing your account will help boost your credit score over time.