To pay down your card balance, you have a few options. You can choose to pay manually, set up Autopay, or you can enable SmartPay (our recommendation):

This option will make one payment amount of your choosing per month. This can be the current balance, the statement balance, the minimum payment, or a custom amount. You can also choose which date to pay this amount.

This is a feature that can help you grow your credit by automatically paying down your balance regularly and on-time, helping you avoid accruing interest—one of the biggest contributors to credit card debt. You set the payment rules, and SmartPay does the rest, attempting to pay down in small bites over time, instead of one big chunk at the end of your statement cycle.

Read more about SmartPay here

This enables you to select any amount you like, whenever you want to pay. You can choose an amount to pay: the minimum balance, the statement balance, your entire current balance, or a custom amount.

Another option is to pay with a check. When writing a check to pay your bill, you must include the “statement coupon” in the envelope with your check in order for the check to be processed automatically (which is faster). If you don't include “statement coupon”, the check will still be processed, but slower via a manual process.

What is a statement coupon?

The “statement coupon” is the portion of the 1st page of your statement below the dotted line. You can write your name and account number on your check or print out your statement and cut the coupon from the dotted line.

Where do I mail my check?

You can find the mailing address in your statement. The bottom right corner of your statement contains info about where to mail your check, and who to make it out to.

You can also make a payment over the phone.

If you have a Rocket Visa Signature Card:

If you have a Rocket Card:

Rocket Card and all Rocket Visa Signature Cards are Powered by Deserve and issued by Celtic Bank.