Finance

How to Pay PenFed Credit Card Online [PenFed Bill Pay]

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Credit card is one of the best way to keep your financial saving on track. It will help you to be a responsible person and also build your financial status strong. However, if you don’t use your credit card in a good manner then it will slowly push you into the pool of debt.

Similarly, members of the PenFed credit union also have access to credit card. They can easily apply and use the credit card which you can take from other credit card companies and banks. But, you also need to pass have a minimum credit score of 700 and a minimum credit history of 3 years.

But if you already own a PenFed credit card then must know that you have to return back the money or pay the monthly fee which you have to spend. If you don’t pay the monthly fee or interest then you will have to pay a certain amount of fee and your debt will also increase.

So, today in this article, we will learn to pay PenFed credit card online so that you can build a good credit score and a credit history.

Is PenFed Legitimate?

Yes, PenFed credit union is a legitimate company in the United State. In fact, it is the second-largest credit union in the whole U.S with an asset of more than $25 billion.

PenFed was originally established to provide similar banking services for military-affiliated members and government officers. You can access all the services just like in the bank such as online saving account and checking, money market certificates, personal loan or auto loan or student loan, apply for credit cards, mortgages, and more.

When the Pentagon federal credit union is getting popular and recognized as best Credit Union Company then it starts to provide service to normal citizens too. If you are not from non-military or government background but just a normal citizen of the United State then you can easily become a member of PenFed credit union.

You just need a deposit of $5 to open a saving account on Pentagon Federal credit union.

Once you join the PenFed then you can use online banking service so that you can do all the transactions, check statements, pay credit card bills, apply for loan or credit cards, and more.

Types of PenFed Credit Cards

PenFed offers various types of credit cards to its members. They can choose the cards based on their interest or need such as travel, gas, or rewards.

When you join the PenFed they you can apply for the credit card which is actually required for you. If you have a good credit score or history or you fulfill the requirements to access the PenFed credit card then you will be easily accepted. However, if you don’t match the requirements or have a low credit score then it will be difficult for you to get a credit card.

More, you can learn how to get a credit card having bad credit score.

So, if you are thinking about applying for a credit card then here are the list of all PenFed credit union credit cards.

Power Cash Rewards Visa Signature Card

  • No annual fee
  • Variable APR : 14.99% – 17.99%
  • Best for flat-rate rewards

PenFed Pathfinder Rewards Visa Signature Card

  • $95 annual fee
  • Variable APR : 14.99% – 17.99%
  • Best for travel

Platinum Rewards Visa Signature Card

  • No annual fee
  • Variable APR :13.49% – 17.99%
  • Best for gas

Gold Visa Card

  • No annual fee
  • Variable APR : 7.49% – 17.99%
  • Best for transaction

How to Pay PenFed Credit Card Bill Online?

If you have one of the PenFed credit cards and it’s time to pay for your bill then you don’t need to go to the PenFed credit union office. All you have to do it open the PenFed online banking service and pay your bill right through it.

PenFed offers an online banking service for its members. You can either go to the official website of PenFed credit union or download the PenFed online banking app on your mobile devices. From there, select your credit card and pay your bill. Besides, you can also pay bills of your PenFed loans and mortgages online.

After you successfully make a payment then you will receive a message or email for the confirmation with your payment information.

Now, let’s see how you can pay your PenFed credit card bill through online on both Mobile and PC.

Note: It’s better for you to pay your PenFed credit card monthly bill on time before due date to avoid late charges or fine.

Besides, if you’ve set an automatic monthly payment then it will be applied to your actual balance (which is on your billing cycle on the last day). And the PenFed will not accept new one-time payments without clearing or accepting the previous payment. 

Pay PenFed Credit Credit Bill Online on PC

If you are using the PenFed online banking in your laptop then you have to follow the following steps to pay PenFed credit card bill online.

Open Your Browser

First of all, open your browser which you are currently using in PC. You can use either chrome, safari, opera, firefox, or other browsers.

Visit PenFed Website

Now, from the search bar type penfed.org and hit enter. It will take you to the official site of the Pentagon Federal credit union.

Click on Login

Next, click on the Login button from the upper right corner of the homepage. Only the member of the PenFed can access the online banking account.

And also remember that, you also need to open or activate your PenFed online banking. If you didn’t have activate or unlock your account then do it right now.

Provide Username

Now, provide your PenFed online banking Username which you’ve set during the registration process.

If you can’t remember your login credentials of PenFed then click on Forgot Username and Password to retrieve it back. Simply, provide the Social security number and you will receive your PenFed username or password to your given email address (which you’ve provided during the registration).

Click on Login

Once you provide your username then click on the Login button to access your PneFed credit union online banking account.

Click on Make Payment

Now, you can view the homepage of your PenFed online banking account. So, scroll down to your account and select the Make Payment option.

Type Amount, Frequency

Enter the amount which you need to pay and its frequency in the required field.

If you are using your own payment amount then you can pay up to 10% of your current or actual balance.

Select Continue

Now, once again check the information or amount which you’ve provided to make sure that you won’t pay more amount than the recommended or bill.

Once all the given information is correct then click on Continue button.

Click on Submit

Finally, again review your overall payment details and if everything is fine then click on Submit button.

Pay PenFed Credit Credit Bill Online on Mobile

If you are using PenFed online banking in your mobile device (Android and iPhone) then you have to follow the following steps to pay PenFed credit card bill online.

  1. Open the PenFed app on your device.
  2. Type the Username and Password in the required field.
  3. Next, tap on Log In button.
  4. Now, tap on three horizontal lines.
  5. Select Credit card payments option.
  6. After that, choose a credit card which you want to pay a bill.
  7. Now, complete the payment details like amount, frequency, accounts making or receiving payment.
  8. Next, tap on the Continue option.
  9. Review your payment details and everything is good then tap on Make Payment button.

Now, you will receive a confirmation email to successfully make a payment of the PenFed credit card bill online.

How to Pay PenFed Credit Card Bill through Mail?

If you don’t want to use the online banking service of the Pentagon Federal credit union to make a payment of your loans or credit card then you can also send mail to PenFed Company and they will clear out your payment.

All you have to do is to find a mailing address of PenFed and send your payment through check. After that, leave the rest to the PenFed for further process.

Note: PenFed won’t allow cash as payment so you have to use the cheque (check).

  1. Cut a new check for the PenFed credit union.
  2. Write your account number and payment coupon or transaction vouncher.
  3. Go to the Contact Us page of PenFed.
  4. Search for the mailing address which you find near to your house or comfortable.
  5. Finally, send your credit card payment check through mail.

Conclusion

Online banking of the PenFed credit union is the way to clear out every payment of loans, credit cards, or other things. It will make your all transaction online so that you won’t have to carry out the cash in your pocket or with you.

So, pay PenFed credit card online and escape from the late payment charges. It is also a good way to keep your credit score and credit history good. In case, you don’t want to use online banking to pay credit card bill then you can pay it through mail.

If you have any queries related to Pentagon federal credit union (PenFed) then ask them in comment section down below.

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