Where and how to send a Kays credit card payment

Kays credit card payments can be made by mail, phone, or online through the cardholder's account portal. The payment address and phone number appear on your monthly statement. Online payments are typically processed the same business day if submitted before the cutoff time, usually in the evening. Mail payments take 5 to 7 business days to reach the payment processing center, so plan ahead if your due date is approaching.

To pay online, log into your Kays account on the official Kays website or mobile app, navigate to the payments section, and enter the amount you want to pay. You can set up a one-time payment or schedule recurring automatic payments from a bank account or debit card. Phone payments require you to speak with a representative and provide your account number and payment method.

Key Takeaways

  • Kays accepts payments by mail, phone, or online, with online and phone payments posting faster than mail.
  • The payment mailing address and customer service phone number are printed on your monthly statement.
  • Online payments typically post the same business day if submitted before the evening cutoff; mail payments take 5 to 7 business days.
  • You can set up automatic recurring payments through your online account to pay on a schedule that matches your due date.
  • Late fees explore if your payment arrives after the due date shown on your statement, regardless of the payment method used.

Payment methods and processing times

Online payments through your account portal are the fastest option. Payments submitted before the cutoff time (usually between 5 p.m. and 11 p.m. Eastern time, depending on the day) post to your account the same business day. Payments submitted after the cutoff or on weekends and holidays are processed the next business day.

Phone payments work similarly — a representative takes your payment information and the transaction posts within one business day. Mail payments are the slowest method. The Kays payment processing center typically receives mail 5 to 7 business days after you send it, so a payment mailed on a Monday may not post until the following week. If your due date falls within that window, mailing a check carries the risk of a late fee.

Some cardholders set up automatic payments through their bank's bill pay system rather than through Kays directly. These payments are mailed by your bank and follow the same 5 to 7 day timeline as a check you mail yourself.

Setting up automatic payments

Automatic payments remove the need to remember your due date each month. Log into your Kays account online, find the autopay or automatic payment section, and choose the amount you want to pay each month. You can set the payment to occur on a specific date — for example, the day after you receive your paycheck or the day before your due date.

Kays offers three autopay options: pay the full statement balance, pay a fixed dollar amount, or pay the minimum payment due. Choosing to pay the full balance each month means you avoid interest charges on purchases. If you choose a fixed amount or the minimum payment, interest will accrue on any remaining balance.

You can change or cancel automatic payments at any time through your account. If you cancel, you will need to make manual payments to avoid late fees.

What happens if your payment is late

A payment is considered late if it arrives after the due date printed on your statement. Late fees typically range from $25 to $40 for the first late payment, depending on your account terms. A second late payment within six months may result in a higher fee. Late payments also appear on your credit report and can lower your credit score.

If you miss a due date, contact Kays customer service as soon as possible. Some cardholders have had late fees waived if they have a good payment history and contact the company before or shortly after the late payment posts. There is no may provide a fee will be removed, but asking costs nothing.

Paying more than the minimum

You can pay any amount above the minimum due without penalty. Paying more than the minimum reduces the principal balance faster and lowers the total interest you pay over time. For example, if you have a $5,000 balance at 18% annual interest and pay only the minimum (usually 1% to 3% of the balance), it will take years to pay off and cost hundreds in interest. Paying $200 or $300 per month instead shortens the payoff timeline significantly.

Some cardholders make multiple payments per month — for instance, a payment when they receive their paycheck and another before the due date. This strategy also reduces the average daily balance and lowers interest charges. There is no limit to how many payments you can make or how much you can pay toward your balance.

Disputing a charge or payment issue

If you believe a charge on your Kays card is incorrect or if a payment you made did not post to your account, contact customer service to report the issue. Have your statement and any payment confirmation numbers ready. Kays will investigate and typically respond within 30 days.

If a payment you made online shows as pending but has not posted after two business days, check your account again or call customer service. Occasionally a payment fails due to insufficient funds or a data entry error, and the cardholder is not always notified when ready. Catching these issues early prevents late fees.

Frequently Asked Questions

Can I pay my Kays card with a different credit card?

Kays does not accept credit card payments directly. You can pay only with a bank account (ACH transfer), debit card, or check. Some third-party payment services allow you to pay a credit card with another credit card, but they charge a fee and are not recommended for regular use.

What if I pay online but the due date is tomorrow?

If you submit an online payment before the cutoff time (usually evening), it posts the same business day and will be on time. If you submit after the cutoff or on a weekend, it posts the next business day. Check the exact cutoff time in your account or call customer service if you are unsure whether a payment will post in time.

Do I have to pay the full balance or can I pay part of it?

You can pay any amount from the minimum due up to your full balance. Paying only the minimum keeps your account current but leaves a balance that accrues interest. Paying more than the minimum reduces interest charges and pays off the card faster.

Is there a fee to pay my Kays card online?

Kays does not charge a fee for online or phone payments made through their official channels. Third-party payment services or bill pay systems may charge a fee, so check before you use them.

What should I do if my automatic payment fails?

Log into your account and check the status of the payment. If it failed due to insufficient funds or an expired card on file, update your payment method and try again. If the issue persists, call customer service to troubleshoot or switch to manual payments temporarily.