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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.

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I sent my payment to the card issuer but I: forgot to include the payment stub; sent the payment to the wrong address; sent cash rather than a check; sent a check in foreign currency. What happens?

Answer:

Under the law, a card issuer can establish "reasonable requirements" with respect to how payments are made, such as requiring that you include your account number or payment stub and pay by check or money order in U.S. dollars to an address specified by the card issuer. 

If you do not do so, the card issuer may reserve the right to reject your payment or to delay processing the payment. If you did not follow the reasonable requirements and the card issuer delayed processing your payment, you should contact your card issuer to see if they will waive the fee. You should review your cardholder agreement to see if the card issuer can refuse your payment.

You should be able to find a copy of the agreement on your card issuer's website, and you can request a copy from your card issuer if it is not there. If you have any questions, you should contact your card issuer.

If the card issuer accepts your payment, it must credit your payment to your account within five days of receipt.

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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.