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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

Can my credit card company charge a fee based on how I paid my bill, such as for making a payment over the phone?


It depends. Generally, the credit card company cannot charge you a fee for making a payment. 

However, you can be charged a fee if you make an expedited payment using a method that requires help from a customer service representative. Fees cannot be charged for payments made using only a voice response system.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.