If you find yourself making a late payment on your Capital One consumer credit card, it’s important to know what to do next.
When you miss a payment, you’ll enter collections where you may be charged late fees and interest. We typically report accounts as late to the credit bureaus after they are more than 30 days past due. For more information, review some of the top things to know about late credit card payments.
Once you’re in collections, we may call you from 800-955-6600, 800-435-1514, or another servicing number. If you see a call from these numbers, that’s us reaching out to provide further assistance. Our team will explain your account status and discuss if there are any additional options available to help you through your current financial situation.
Late payment FAQs
Need more help with your late Capital One payment? Review answers to some of our most frequently asked questions below. If you have any additional questions about your account status, please don’t hesitate to contact us.
How do I find out my due date and how much I owe?
To manage your credit card payments, sign into your account. Your due date and account balance will be the first things you see at the top of the page after signing in.
Will I be charged late fees or interest?
I’m struggling to make on-time payments—can Capital One help?
Capital One offers payment plans to eligible customers. Contact us to see what options may be available to you.
When does Capital One report late payments to the credit bureaus?
- Please note that at Capital One, we typically report accounts as late to the credit bureaus after they are more than 30 days past due. For more general information, learn about how late payments can impact your credit score.
- To get ahead of potential changes to your credit score and credit report, use our free credit monitoring tool, CreditWise from Capital One.