How Do I Set Up a Capital One Payment Plan?

Capital One works with customers who are experiencing hardships to keep them on track financially while helping them meet their monthly obligations. You can stay on track by setting up auto-pay in your account. You can also call customer support to request deferred payments or negotiate lowered interest rates or fee waivers. Capital One also works with you to get your account caught up when you are past due.

As a Capital One customer, keeping up with your monthly payments will ensure healthy credit and may improve your credit rating. Whether you're negotiating due to late payments or circumstances that impact your finances, or you just want to set up an automatic payment plan to keep on track, Capital One offers options. You can get information and assistance from Capital One customer support here, and below are ways to set up a payment plan.

Past Due Payments

If you're setting up a payment plan to take care of past due payments, you will need to do the following:

  1. Open Capital One's website in your browser.
  2. Log into your account.
  3. Go to the account that is currently past due.
  4. Click on "I Want to..."
  5. Select "Make an online payment."
  6. Capital One allows you to make up to three payments in a 90-day period to get your account back to its current status.
  7. Confirm your payment is scheduled and in a few days log back into your account to confirm the payment posted to your Capital One bill.
  8. Set up alerts and reminders to keep you on track and avoid falling behind again.

Auto Payments

One of the easiest ways to keep from falling behind in your Capital One payments is to set up auto payments. To set up auto-pay follow these steps:

  1. Open Capital One's website in your browser.
  2. Log into your account.
  3. Select the account you wish to auto-pay.
  4. Click on "Set Up auto pay."
  5. Enter the amount you wish to set for your monthly auto payment. Options for amount include:
    • Statement balance.
    • Minimum payment.
    • The custom amount you set (must be more than the minimum payment amount).
  6. Choose the bank account to make payments.
  7. Confirm by clicking "Set Up auto pay."

Additional Payment Plan Options

You can also contact Capital One customer support to negotiate a payment plan when you experience financial hardships. Capital One encourages customers to call them immediately when they're experiencing hardships rather than wait until they are behind in payments. You can negotiate a payment plan by doing the following:

  1. Call Capital One customer support here.
  2. Provide your name, account number and social security number to the representative to locate your account in the system.
  3. Explain your circumstances (lost job, natural disaster, illness or other hardship).
  4. The representative will go over options with you such as deferred payments, reduced interest rates or waived fees to help you get back on track and avoid damage to your credit.

When setting up a payment plan with Capital One, keep in mind that each plan will be different. You're still responsible for the debt incurred, but there are ways to reduce the overall amount you pay if fees are waived and interest rates are reduced. For more information contact Capital One customer service here.

Why Did GetHuman Write "How Do I Set Up a Capital One Payment Plan?"?

After thousands of Capital One customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together How Do I Set Up a Capital One Payment Plan? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Capital One if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Capital One Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Capital One in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our How Do I Set Up a Capital One Payment Plan? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.

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