Chevron Texaco credit card bills can be paid online, by phone, by mail, or in person at a Chevron or Texaco station

Chevron and Texaco operate as a single company now, and their co-branded credit card (issued through Citi) uses the same payment system for both brands. You can pay your bill through the Citi website or app, by calling the number on the back of your card, by mailing a check to the address on your statement, or by walking into any Chevron or Texaco station and paying at the register. The fastest route is online through Citi's portal, where you can see your balance immediately and schedule payments in advance.

Your payment due date appears on your monthly statement. If you pay less than the full balance, interest charges begin accruing on the remaining amount at the card's purchase APR. Missing a payment by 30 days or more will be reported to credit bureaus and may trigger a late fee.

Key Takeaways

  • The Chevron Texaco card is issued by Citi, so you pay through Citi's website, mobile app, or phone line, not through Chevron or Texaco directly.
  • Online and phone payments typically post within one business day, while mailed checks take seven to ten business days to clear.
  • Paying only the minimum balance means you will owe interest on the remaining balance at the card's APR, which varies by creditworthiness.
  • A payment 30 days late will be reported to credit bureaus and may result in a late fee and a higher APR on future purchases.

Paying online through the Citi website or app

Log into your account at citi.com or open the Citi Mobile App, then select your Chevron Texaco card from your account list. The payment screen will show your current balance, minimum payment due, and due date. You can pay the full balance, the minimum, or any amount in between. Citi allows you to schedule payments up to 35 days in advance, which is useful if you want to automate regular payments on a set date each month.

Online payments typically post to your account within one business day. If you are paying close to your due date, pay at least two business days before the deadline to ensure the payment clears on time. Citi does not charge a fee for online payments made through their website or app.

Paying by phone or at a Chevron or Texaco station

Call the customer service number on the back of your card to make a payment by phone. A representative will ask for your card number, the amount you want to pay, and your bank account information if you are paying from a checking or savings account. Phone payments post within one business day and carry no fee.

You can also pay in person at any Chevron or Texaco station by going to the register and asking to pay your credit card bill. The station will process the payment through the same Citi system. This option is useful if you prefer to handle the transaction face-to-face or if you do not have online access, though it is slower than paying online.

Paying by mail

Write a check or money order payable to Citi and mail it to the address printed on your statement. Include your card number on the check so the payment reaches the correct account. Mailed payments take seven to ten business days to clear, so send your check at least two weeks before your due date if you are paying close to the deadline.

Do not mail cash. If your check is lost in the mail, you will have no proof of payment, and Citi may report the account as late. Keep a copy of the check or take a photo of the front and back before mailing.

What happens if you miss a payment

If your payment is 30 days late, Citi will report the missed payment to the three major credit bureaus (Equifax, Experian, and TransUnion). This report will lower your credit score and remain on your credit report for seven years. You will also be charged a late fee, which varies but is typically $25 to $40 for the first late payment and up to $40 for subsequent ones.

A late payment may also trigger a penalty APR, meaning the interest rate on new purchases will jump significantly. If you miss a payment by 60 days or more, Citi may freeze your account and demand immediate payment of the full balance. If the account goes unpaid for 180 days (six months), Citi may charge off the account and sell the debt to a collection agency.

Setting up automatic payments

The Citi website and app both allow you to set up automatic payments on a date you choose each month. You can elect to pay the full balance, the minimum payment, or a fixed amount. Automatic payments remove the risk of forgetting a due date, though you should still check your statement each month to make sure the payment went through and the balance is what you expected.

If your income is irregular or your balance varies widely, you can set up automatic payments for the minimum amount and then make additional payments by hand when you have extra money. This approach ensures you never miss a deadline while keeping flexibility in how much you pay.

Understanding your statement and balance

Your monthly statement shows the opening balance, all charges and credits from the past month, the minimum payment due, the full balance, the due date, and the APR. The minimum payment is usually 1 to 3 percent of your balance plus any fees and interest. Paying only the minimum means the rest of your balance will accrue interest at your card's APR.

The APR on a Chevron Texaco card varies depending on your credit score and history. Cards marketed to people with good or excellent credit typically carry APRs in the 15 to 25 percent range, while cards for people with fair or limited credit may carry APRs of 25 percent or higher. Interest is calculated daily on your average daily balance, so the longer you carry a balance, the more interest you will owe.

Frequently Asked Questions

Can I pay my Chevron Texaco bill at a gas pump?

No, you cannot pay your credit card bill at the pump. You must go inside the station to the register and ask to pay your bill, or use one of the other payment methods (online, phone, or mail). Paying at the pump is only for purchasing fuel or items with your card.

What time do online payments post?

Citi does not specify an exact time. Payments made online typically post within one business day, but the exact timing depends on when you submit the payment and Citi's processing schedule. To be safe, submit payments at least two business days before your due date.

Will I be charged a fee if I pay late?

Yes. A late fee is charged if your payment is more than 60 days past due. The fee is typically $25 to $40 for the first late payment and up to $40 for subsequent ones. The exact amount depends on your card terms and Citi's policies at the time of the late payment.

Can I pay someone else's Chevron Texaco bill?

You can make a payment on someone else's account if you have their card number and know their due date, but Citi will not give you access to their account online or by phone without their authorization. The safest approach is to ask the cardholder to set up a payment themselves or to give you written permission to call on their behalf.

What should I do if my payment was not posted?

Check your Citi account online to confirm whether the payment cleared. If you paid online or by phone within the last two business days, wait a bit longer. If more than two business days have passed and the payment still does not show, call the number on the back of your card and ask a representative to investigate. If you mailed a check, allow ten business days before calling.