Call Best Buy's payment line to pay your bill over the phone
You can pay your Best Buy credit card bill by calling the phone number on the back of your card. The automated system will walk you through entering your account number, the amount you want to pay, and your bank details. The call is free and takes about five minutes.
Best Buy's payment line operates 24 hours a day, seven days a week. You do not need to speak to a person unless something goes wrong with the automated system — most calls complete without a representative. If you do reach someone, they can answer questions about your balance, recent charges, or payment posting times.
Payments made by phone are processed the same day if you call before the payment deadline on your statement. If you call after the deadline, the payment may post the next business day. Best Buy does not charge a fee for phone payments, but your bank may charge a fee if you use a debit card instead of a checking account.
Key Takeaways
- The phone number for Best Buy credit card payments is on the back of your card, and the line is available 24/7 with no fee.
- You will need your account number and routing and account numbers from your bank to complete a phone payment.
- Payments posted before your statement due date count toward that month's bill; payments after the due date apply to the next billing cycle.
- If you miss a payment deadline, your account may be reported to credit bureaus and you may owe a late fee.
What information you need before you call
Have your Best Buy credit card in front of you when you call. You will need your account number, which appears on the front of the card. The automated system will ask you to enter it using your phone keypad.
You will also need your bank account information. Have your checking or savings account number and your bank's routing number ready. The routing number is a nine-digit code that identifies your bank; it appears on the bottom left of your checks or you can find it on your bank's website.
If you are paying from a debit card instead of a bank account, have the card number and expiration date available. Some banks charge a fee for debit card payments, so check with your bank first if you are unsure.
How payments post to your account
Best Buy processes phone payments on the day you call if you call before the payment deadline shown on your statement. The money leaves your bank account within one to two business days, but Best Buy records the payment as received on the day you called.
If you call after your due date, the payment is still processed the same way, but it counts as late. A late payment may trigger a late fee on your next statement and may be reported to credit bureaus. Even if you pay late, paying as soon as possible limits how much damage the late payment does to your credit.
If you need the payment to post by a specific date — for example, before your due date — call at least one business day before that date. Weekends and holidays can delay processing, so calling on a Thursday or Friday gives you less margin for error than calling on a Monday or Tuesday.
What happens if you cannot reach the automated system
If the automated system does not accept your payment or you get an error message, stay on the line and a representative will pick up. This usually happens when the system cannot read your account number or when there is a temporary problem with the payment network.
A representative can process your payment manually over the phone. They can also tell you if there is a hold on your account, if your card has been flagged for fraud, or if there is a problem with the bank account you are trying to pay from. If your bank account is the problem, the representative may suggest you call your bank to resolve it before trying again.
If you reach a representative and they tell you the payment line is temporarily down, you can pay online through Best Buy's website or through your bank's bill pay feature instead. Both routes post payments just as quickly as a phone payment.
Alternatives to paying by phone
You can pay your Best Buy credit card bill online through Best Buy's website without calling. Log in to your account, go to the payment section, and enter the amount and your bank details. Online payments work the same way as phone payments and post on the same timeline.
Your own bank's bill pay feature is another option. Most banks let you set up Best Buy as a payee and schedule payments in advance. This is useful if you want to automate your payment each month or if you prefer not to enter your bank details on Best Buy's website.
You can also mail a check to the address on your statement, but mailed payments take seven to ten business days to post. Mailing a check is slower and riskier than phone or online payment, so it is best used only if you do not have access to a phone or internet.
What to do if you miss a payment
If you miss your due date, call the payment line as soon as you realize the mistake. The sooner you pay, the smaller the late fee and the less damage to your credit. A single late payment can lower your credit score by 100 points or more, depending on how late it is.
Best Buy reports late payments to credit bureaus 30 days after the due date. If you pay within 30 days, the payment is still late but may not appear on your credit report. After 30 days, the late payment stays on your credit report for seven years, even after you pay it off.
If you are having trouble making your payment, call Best Buy's customer service line to ask about hardship options. Some card issuers offer temporary payment plans or reduced interest rates for customers facing financial difficulty. Best Buy may not have these programs, but it is worth asking before you fall further behind.
Frequently Asked Questions
Can I pay my Best Buy credit card bill with a credit card over the phone?
No. Best Buy's payment line only accepts payments from a bank account or debit card. Paying a credit card bill with another credit card is not allowed by most card issuers and would count as a cash advance, which carries a higher interest rate and an upfront fee.
How long does it take for a phone payment to show up in my account?
Best Buy records the payment on the day you call, but the money may take one to two business days to leave your bank account. If you are checking your balance online, you may see the payment posted immediately or within 24 hours, depending on Best Buy's system.
What if I call to pay but my payment does not go through?
If the system says your payment failed, do not hang up — stay on the line for a representative. They can tell you why it failed (usually a problem with your bank account or a fraud hold) and help you fix it. If your bank is the problem, you may need to call your bank before trying again.
Can I set up automatic phone payments so I do not have to call every month?
No. Phone payments are one-time only and must be made each month. If you want automatic payments, use Best Buy's online account or your bank's bill pay feature to set up recurring payments instead.
Is there a fee for paying by phone?
Best Buy does not charge a fee for phone payments. However, your bank may charge a fee if you use a debit card instead of a checking account. Check with your bank about their debit card fees before you call.