Repaying your credit card balance

When is my minimum payment due and can I change the due date?

Your minimum payment is due on the 27th of each month. We currently don’t offer the option to change your due date.

How do I repay?

You can easily make repayments to your credit card from your Chase accounts – either with a one-off repayment or by setting up a monthly scheduled repayment.

To make a one-off repayment from a Chase account:

  1. Open your credit card account
  2. Tap 'Repay'
  3. Under 'One-off', tap 'From a Chase account'
  4. Follow the on-screen steps.

To make a one-off repayment from another bank:

  1. Open your credit card account
  2. Tap 'Repay'
  3. Under 'One-off', tap 'From another bank'
  4. Use the on-screen details, including a unique 16-digit reference number, to make a credit card repayment from another bank

You can make a one-off repayment at any time – even if you have a regular repayment set up.

To set up a regular repayment:

  1. Open your credit card account
  2. Tap 'Repay'
  3. Tap 'From a Chase account' under 'Monthly'

If you set up a regular repayment, you can choose to repay your full statement balance, the minimum payment or a fixed amount. If you only repay the minimum amount every month, it will take you longer to clear your balance and cost you more. Your repayment will come out of your chosen Chase account on the 27th of every month. You can edit or cancel it at any time, but you should do so on or before 26th to change your payment on 27th in time.

To edit or cancel your regular repayment:

  1. Open your credit card account
  2. Tap 'Repay'
  3. Tap 'Manage' next to your regular repayment

What happens if I'm late or miss a minimum payment?

If you miss your minimum payment by the due date, we’ll charge you a £12 late fee. We won’t automatically try to collect the payment again, so you’ll need to make a repayment in the app to avoid further charges. We'll also send you a reminder about this.

Missing or making late repayments may affect your credit score and could mean you’re no longer eligible for promotional purchase rates. If you repeatedly miss repayments, we’ll report this to credit reference agencies, which could make it harder for you to borrow money in the future.

To help avoid missing payments, you can set up a regular repayment:

  1. Open your credit card account in the app
  2. Tap 'Repay'
  3. Tap 'From a Chase account' under 'Monthly'

What can I do if I'm struggling to repay?

If you're ever worried about making repayments, please don't struggle alone. Get in touch with us via 'Support' in the app, or call us on 0808 234 1115 (or +44 203 493 0829 if you’re abroad) – we're here for you 24 hours a day, 7 days a week. We also have some useful information that you can take a look at.

I have paid more than I should have. What do I do?

The Chase app won't let you repay more than you owe, but if you've overpaid by making a repayment over the phone, get in touch with us again via 'Support' in the app and we'll refund the money to one of your Chase accounts.