How to Pay Your SECU Credit Card Bill

Paying your SECU credit card bill is easy and convenient with the various payment options offered. Whether you prefer paying online, in the SECU mobile app, by phone, by mail or in person, SECU has a payment method that works for you. Read on to learn the simple steps for paying your SECU credit card each month.

Pay Online

The quickest way to pay your SECU credit card bill is online through SECU’s Member Access To get started, login to your Member Access account at wwwncsecu.org. Once logged in, select “Credit Card” from the menu and choose “Make a Payment.”

You’ll need to enter your credit card account number, the amount to pay, and which SECU account you want the payment to come from, such as your SECU checking or savings account. After reviewing the payment details submit the payment to have it processed instantly.

With online bill pay, you can schedule one-time payments or set up recurring automatic payments each month. Online payments post to your account immediately so you don’t have to worry about delays with the mail. You can also view payment history and enroll in paperless eStatements. Paying online is the most convenient way to stay on top of your credit card bill.

Use the Mobile App

In addition to online bill pay, you can also pay your SECU credit card using the SECU Mobile App. Download the app and login with your account credentials. Under the “Move Money” menu select “Make Loan Payment” and choose your credit card account.

Enter the payment amount and submit. The app will prompt you to confirm the payment details before processing it instantly from your linked SECU account. The mobile app allows you to pay anytime, anywhere so you never miss a payment.

Pay by Phone

To pay your credit card bill over the phone, simply call SECU at 888-732-8562. Specify to the member services representative that you want to make a credit card payment.

You’ll need to provide your full account number, the amount to pay, and the account you want the money to come from. The payment will be processed during the call so you don’t have to worry about it getting lost in the mail. Phone payments take 1 business day to post to your account.

Pay by Mail

If you prefer to mail in credit card payments, you can send a check or money order to the payment address printed on your monthly statement. Be sure to include your full account number on the check memo line.

Mail your payment at least 5-7 business days before the due date to ensure it’s received on time. Mailed payments take longer to process than electronic payments. But it can be a simple option if you prefer paying bills by check.

Pay in Person

You can also stop by any SECU branch and make a credit card payment in person. Bring your account number and payment with you. Cash, checks, and debit card payments are accepted.

In-person payments allow you to get a receipt right away for your records. And funds are deducted from your account same-day versus waiting for a mailed check to clear. Visit a branch during business hours to pay in person.

Schedule Recurring Payments

The easiest way to avoid late fees and interest charges is to set up automatic recurring payments with SECU. This way the credit card payment is automatically deducted from your SECU account each month on the same day.

You can schedule recurring payments online through Member Access or the mobile app. Just specify the amount and payment date that works for your monthly budget. Then the payment is processed automatically each billing cycle without you having to do anything.

Keep an Eye on Due Dates

When you receive your monthly statement, check the due date closely. Make sure any online or mailed payments have plenty of time to reach SECU before the due date. Scheduling payments 7-10 days before the due date provides a nice buffer.

If you’re mailing a payment, be aware of holidays or weekends that could delay mail delivery and result in late fees if the payment arrives after the due date. Building in extra time prevents late payments.

Avoid Late Fees

Paying your credit card late comes with a hefty $25 fee, so make your payments on time every month. Setting payment reminders on your calendar and enrolling in account alerts through online banking or the SECU app can help prevent accidentally late payments.

If an unexpected emergency causes you to pay late one month, call SECU right away to see if they may waive the late fee – especially if it’s your first time paying late. But overall, sticking to on-time payments is key to avoid penalties.

Monitor Account Activity

Log into your SECU account regularly to keep tabs on your credit card balance and activity. Watch for fraudulent charges or billing errors that you’ll need to report right away. You can also set up custom alerts to be notified of important account activity via email or text message.

Disputing unauthorized charges early limits your liability and prevents you from paying for fraudulent transactions. Carefully monitoring your account activity ensures accurate statements.

Pay More Than Minimums

If carrying a balance month-to-month, be sure to pay more than the minimum payment listed on your statement. The minimum only covers a small portion of the interest fees accumulating. Paying just the minimum results in more interest and a larger balance over time.

Aim to pay well over the minimum to actually pay down your principal balance. Putting extra towards high-interest credit card balances saves money on interest fees.

Pay Down Balances ASAP

Avoid using your SECU credit card to finance long-term purchases. The ongoing interest can really add up and increase the amount you end up paying overall. Instead, use your card only for purchases you can comfortably pay in full each month.

If you do carry a balance, prioritize paying it down as fast as possible. Pay more than the minimums and avoid additional charges until the balance is paid off completely. Eliminating balances keeps credit card costs to a minimum.

Set Up Account Alerts

Take advantage of SECU’s available account alerts to monitor credit card activity via text or email notifications. Alerts can be sent when payments are due, charges are made over a certain amount, your balance reaches a preset threshold and any time transactions occur.

These real-time notifications help you stay on top of your account activity and catch problems right away before they spiral out of control. Enrolling only takes a few minutes through online or mobile banking.

Avoid Late Payment Fees

Paying late leads to frustrating fees, so be sure to pay your bill on or before the due date each month. Mark your calendar with payment reminders and use account alerts. Schedule automatic payments so you never miss a payment due to forgetfulness.

If funds are tight, call SECU before the due date to ask about hardship options or financial assistance programs that may be available. With proper planning, you can easily avoid annoying late payment fees.

Review Statements Closely

Don’t just glance at your monthly statement – actually read through all the charges carefully. Watch for unauthorized activity or billing errors to report. Also look for recurring charges you may want to cancel like unused gym memberships.

Disputing issues quickly limits liability and prevents money being tied up with fraudulent charges. Get in the habit of thoroughly reviewing statements as soon as they are available.

Take Advantage of Rewards

If you have a rewards credit card through SECU, take steps to maximize the points or cash back you earn from your spending. Strategically using your card for different purchase categories can help your rewards balance grow faster.

Just don’t let chasing rewards lead to overspending that results in balances you can’t pay off. Stick to your budget and use rewards as a nice perk for routine spending.

Paying Your SECU Credit Card Bill

Paying your SECU credit card on time and in full each month prevents expensive interest and fees from accruing. Take advantage of the secure online and mobile app payment options for quick processing. And set payment reminders to avoid unintentional late fees. Keeping up with your credit card bill through SECU is simple and convenient.