Paying your Capital One credit card bill doesn’t have to be a hassle. With Moneygram, you can easily pay your Capital One card with cash at over 150000 locations. This comprehensive guide will explain how to conveniently pay Capital One bills using Moneygram.
Overview of Paying Capital One Bills With Moneygram
Moneygram is a quick and reliable money transfer service with thousands of agent locations across the US, primarily in drugstores supermarkets and post offices. To pay your Capital One card with Moneygram, simply visit a location, provide your credit card details, and pay with cash. Moneygram transmits the payment info to Capital One electronically within 1 business day.
Paying Capital One bills with Moneygram has several key benefits
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Pay with cash – No bank account required Useful if you don’t have one or prefer paying cash,
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Wide availability – With Moneygram locations inside major retailers like Walmart, CVS, Kroger, Albertsons, and more, it’s easy to find a place nearby to pay.
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Fast processing – Payments reach Capital One within 1 business day in most cases.
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Simple process – Straightforward steps to complete the payment at agent locations.
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Receipt provided – You get a receipt after paying to have proof of payment.
However, there are some downsides to be aware of:
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Cash only – Debit/credit cards are not accepted. You must pay with physical cash.
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Fees – Moneygram bill pay transactions have fees, typically $1 plus 5% of the payment amount.
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No online option – You have to visit an agent location in person to pay with Moneygram.
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ID required – You’ll need a valid government-issued ID to make a bill payment.
But overall, Moneygram provides a quick and easy way to pay your Capital One credit card with cash. Below we’ll walk through the step-by-step process.
Step-By-Step Guide to Paying Capital One With Moneygram
Follow these simple steps to pay your Capital One bill conveniently at a Moneygram location:
1. Find a Moneygram location near you
You can search for Moneygram agent locations on their website or mobile app. Major retailers like Walmart, CVS, Walgreens, Kroger, Albertsons, and Rite Aid have Moneygram service counters inside most locations.
Make sure the location specifically lists “Bill Payments” as an offered service. Some Moneygram agents only handle money transfers.
2. Bring your Capital One bill and cash for payment
When going to make the payment, you’ll need to bring:
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Your Capital One credit card bill statement. This has your account number needed to reference the payment.
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Cash for the bill amount plus Moneygram fees. Payments must be made in cash.
3. Fill out the Moneygram “Bill Payment” form
At the Moneygram counter, request a “Bill Payment” form. Fill out the form with:
- Your Capital One credit card account number
- Payment amount
- Recipient name: Capital One
- Recipient account number: Your credit card account number
- Recipient city and state: Wilmington, DE
4. Pay cash and get a receipt
Submit the completed form and cash payment to the Moneygram agent. They’ll keep the cash and provide you with a receipt. Retain this receipt as proof of your payment. Also note down the reference number, which can be used to track the payment status.
5. Payment will process within 1 business day
Moneygram will electronically transmit the payment details to Capital One. The payment usually posts to your Capital One account within 1 business day. You can login online to confirm when it processes.
And that’s it! By following these steps, you can easily pay your Capital One credit card bill with cash using Moneygram’s widespread agent locations.
Tips to Avoid Fees and Issues
When paying your Capital One bill through Moneygram, keep these tips in mind to avoid extra fees and potential issues:
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Compare agent fees – Rates vary by location. Check around to find the cheapest. Walmart and Kroger tend to have lower fees.
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Pay 7+ days before due date – Gives time to correct any errors and avoid late fees from Capital One.
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Confirm payment processed – Log into your Capital One account to verify the payment was received on time.
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Save receipt – Keep the Moneygram receipt as proof of your payment in case of any discrepancies.
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Pay bigger amounts less frequently – Moneygram fees are largely fixed, so making one $500 payment monthly costs almost the same as paying $100 weekly.
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Track payment status online – Moneygram has a tracking tool to monitor payments.
Following these tips will help you pay your Capital One bill via Moneygram while avoiding unnecessary fees and issues.
Other Ways to Pay Your Capital One Credit Card
In addition to Moneygram, you have various options to pay your Capital One credit card bill:
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Online – Pay directly through Capital One’s website. You can setup one-time or auto-payments.
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Mobile app – Capital One’s app allows instant online payments.
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Phone – Call the number on your bill to pay with a customer service agent.
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Mail – Send a check or money order to the payment address listed on your statement.
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In person – Visit a Capital One branch or ATM to make a cash or check deposit to pay your bill.
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Retail locations – Pay at Money Services counters inside Kroger-owned grocery stores.
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Other bill pay services – Alternatives like Western Union, PayNearMe, etc can also process Capital One payments.
Review all the payment methods Capital One offers and choose the one that best suits your needs based on convenience, fees, and processing time.
The Bottom Line
Paying your Capital One credit card bill with Moneygram is a quick and easy cash payment option with thousands of agent locations nationwide. Just visit a participating retailer, fill out the payment form with your Capital One details, pay in cash, and keep the receipt. The payment will reach your account within 1 business day in most cases.
Following the step-by-step process outlined and using the tips in this guide will allow you to conveniently pay your Capital One card with Moneygram while avoiding unnecessary fees or issues. So next time your bill is due, consider using Moneygram as an easy and accessible cash payment method.
Strategies for making on-time credit card payments
It can be easy to miss a credit card payment, especially if youâre juggling multiple bills every month. But paying a credit card bill by the due date helps you maintain healthy credit and keep your credit card account in good standing.
Here are some ways to help you keep up with your credit card payment and use your credit card responsibly:
With automatic payments, youâll ask your credit card issuer to automatically take money from your bank account to pay your credit card. The issuer can withdraw the minimum payment, the entire balance or a prespecified amount on a prespecified date. This can ensure your bill is paid on time. Just make sure you have enough money in your bank account before the automatic payment goes through.
Request a due date that works for you
Some card issuers, like Capital One, allow cardholders to pick their due date. This can help you streamline your payments if you have multiple credit cards and other bills. You can usually do this by either calling your card issuer or making a payment due date request online.
Based on your take-home pay and ongoing expenses, it may help to figure out how much you can afford to charge to a credit card each month. Try to stick to a budget so you can pay off the balance in full and avoid interest. When you plan ahead, youâre more likely to pay your credit card bills on time.
How to pay bills in MoneyGram app?
FAQ
Can you pay credit card bills with MoneyGram?
How to pay credit one credit card with MoneyGram?
What payment methods does Capital One accept?
Where can I pay my Capital One credit card bill?
You can pay your Capital One credit card bill in person at a Capital One branch, or at the Money Services counters in Kroger brand stores. You can also make a payment at MoneyGram and Western Union locations, which can be found inside Walmart, Rite Aid, Walgreens, and Money Tree stores.
Can I pay my Capital One credit card with cash?
But by using Capital One branches, Kroger Money Services, or bill pay spots like MoneyGram and Western Union, you can easily pay your Capital One credit card with cash. The most important thing is making those on-time payments each month – regardless of whether you pay online, by mail or in cash.
How do I make a capital one payment?
Make a payment online. Make a payment by mail. Make a payment by phone at 1-877-383-4802. Make a payment at your local Capital One location. If there’s a day that works best to process your payment, you can change your payment due date online. Keep in mind, it takes two billing cycles for the change to take effect.
When should I pay my Capital One credit card?
Capital One credit card payments need to be made by 8:00 PM ET, Monday-Saturday in order to post the next day. It is a good rule of thumb for any credit card How can I pay my Capital One credit card bill?
Can I pay my Capital One credit card bill at Walmart?
Yes, you can pay your Capital One credit card bill at Walmart, but only if you have a Walmart® Store Card *. If it’s any other Capital One credit card, you can only pay the bill by using MoneyGram, which is located inside most Walmart stores. MoneyGram allows Walmart customers to pay lots of bills in-store, including Capital One credit card bills.
Does Capital One accept cash?
Cardholders can also apply cash back or travel rewards earned on a Capital One credit card toward their account balance through a statement credit. It is worth mentioning that Capital One does not accept cash payments by mail. They will only take checks or money orders for this payment method. How does Capital One pay bills?