Pay your PC Richard's bill through their website, by phone, or through your bank's bill pay service
PC Richard & Son, the electronics retailer, offers a store credit card that you can pay online in three main ways. The fastest method is logging into your account on their website or mobile app, where you can see your balance and make a payment immediately. You can also call their customer service line to pay by phone with a debit or credit card. A third option is setting up a payment through your bank's bill pay system, which sends a check to PC Richard's mailing address — this takes longer but works if you prefer not to enter payment information online.
The payment deadline appears on your monthly statement. If you pay after the due date, you will owe a late fee. If you do not pay at least the minimum amount by the due date, the missed payment will be reported to credit bureaus and will affect your credit score.
Key Takeaways
- You can pay online through PC Richard's website or app by logging in with your account number and password.
- Phone payments require your card number and a debit or credit card, and the payment posts the same day.
- Bank bill pay sends a physical check and takes 7 to 10 business days to arrive, so plan ahead if you use this method.
- Late payments trigger a fee and are reported to credit bureaus, which lowers your credit score.
- Automatic payments can be set up through the website to pay a fixed amount on the same date each month.
Paying online through the PC Richard's website or app
Log in to your account at pcrichard.com using your account number and password. If you do not have a password, click "Forgot Password" and follow the prompts to reset it. Once logged in, select "Make a Payment" or "Pay My Bill" — the exact wording depends on whether you are on the website or app.
Enter the amount you want to pay and choose your payment method: debit card, credit card, or bank account. The website will ask for the card or account number and the billing address. After you submit, you will see a confirmation number on screen. The payment posts to your account the same day if you pay before 5 p.m. Eastern time on a business day; payments made after hours or on weekends post the next business day.
You can also set up automatic payments from this same screen. Choose the amount (minimum payment, statement balance, or a fixed dollar amount) and the date each month you want it to come out. Automatic payments reduce the risk of missing a due date, but you are still responsible if the payment fails because your bank account or card has insufficient funds.
Paying by phone
Call the PC Richard's customer service number listed on the back of your card. Have your account number, card number, and the payment amount ready. A representative will ask for a debit or credit card number to process the payment — this does not have to be the same card you used to make the purchase.
Phone payments post the same day if you call before 5 p.m. Eastern time on a business day. The representative will give you a confirmation number; write it down or ask them to email it to you. Keep this number in case you need to dispute the payment later.
Paying through your bank's bill pay service
If your bank offers bill pay, you can set up a payment to PC Richard's without entering your card information on their website. Log into your bank's online banking portal and select "Pay Bills" or "Send Money." Search for PC Richard & Son and select the correct payee — some banks list it under "PC Richard" or "PCR."
Enter the amount and the date you want the payment sent. Your bank will mail a check to PC Richard's processing address, which takes 7 to 10 business days to arrive and clear. This method is slower than online or phone payments, so do not use it if your payment is due in fewer than 10 days. The check will be processed as a payment on your account once PC Richard's receives and deposits it.
What happens if you miss a payment
If your payment does not arrive by the due date on your statement, you will owe a late fee. The amount of the fee varies but is typically $25 to $35 for the first late payment. If you are late again within six months, the fee may be higher.
More importantly, a missed payment is reported to the three credit bureaus — Equifax, Experian, and TransUnion — and stays on your credit report for seven years. This report lowers your credit score, which makes it harder and more expensive to borrow money in the future. Even one missed payment can drop your score by 50 to 100 points depending on your current score.
If you realize you will miss the due date, call PC Richard's customer service immediately. Some companies will work with you to set up a payment plan or waive a late fee if you have a good payment history, but you have to ask before the payment is late.
Checking your balance and statement
Log into your account on the PC Richard's website or app to see your current balance, available credit, and recent transactions. Your monthly statement is mailed to the address on file and also available to view online. The statement shows your opening balance, all charges and payments from that month, interest charged, any fees, and your new balance.
The statement also lists the minimum payment due and the due date. The minimum payment is usually 1 to 3 percent of your balance, but paying only the minimum means you will owe interest on the remaining balance. Interest on store credit cards is typically 18 to 25 percent annually, so carrying a balance is expensive.
Frequently Asked Questions
Can I pay my PC Richard's bill with a different card than the one I used to buy?
Yes. You can pay with any debit card, credit card, or bank account, whether online, by phone, or through your bank's bill pay. The payment method does not have to match the original purchase card.
What time does my online payment post?
Payments submitted before 5 p.m. Eastern time on a business day post the same day. Payments submitted after 5 p.m. or on weekends post the next business day. Check your confirmation email for the exact posting date.
How do I set up automatic payments?
Log into your account on the website or app, go to "Make a Payment," and look for an option to "Set Up Automatic Payments" or "Recurring Payment." Choose your payment amount and the date each month you want it to come out. You can change or cancel automatic payments anytime from the same screen.
What if I pay online but the payment fails?
The website will tell you immediately if the payment failed and why — usually because the card was declined or the account has insufficient funds. Try again with a different card or account. If the payment fails and you miss the due date, a late fee will be charged.
Can I pay more than the minimum?
Yes. You can pay any amount up to your full balance. Paying more than the minimum reduces the interest you owe and gets you out of debt faster.