Where to pay your Swiss Colony account
Swiss Colony sends payment instructions with your monthly statement. You can pay online through your account at swisscolony.com, by phone, or by mailing a check to the address printed on your bill. The online method is fastest — payments post within one to two business days — while mailed checks typically take five to seven business days to reach their processing center.
Your statement shows a due date, usually 20 to 25 days after the statement closes. Paying by the due date keeps you from incurring a late fee. If you miss the due date, Swiss Colony charges a late fee (the amount varies by account terms) and may report the missed payment to credit bureaus, which can lower your credit score.
Key Takeaways
- Online payment through swisscolony.com is the fastest method and posts within one to two business days.
- Your monthly statement lists the due date, late fee amount, and mailing address for checks.
- Mailed payments take five to seven business days to process, so send them well before your due date.
- Missing a payment deadline triggers a late fee and may be reported to credit bureaus, affecting your credit score.
- Setting up automatic payments prevents missed due dates and removes the need to remember to pay each month.
Paying online through your Swiss Colony account
Log in to swisscolony.com using your account number and password. Navigate to the payment or billing section — the exact location varies slightly depending on whether you are on a desktop or mobile browser, but it is usually labeled "Make a Payment" or "Pay Now." Enter the amount you want to pay and confirm your payment method (debit card or bank account).
Swiss Colony does not charge a fee for online payments made with a debit card or bank account. The payment posts to your account within one to two business days. If you pay after your due date, the late fee still applies even if the payment is in transit, so plan ahead if your due date falls on a weekend or holiday.
Paying by phone or automatic payments
Call the customer service number on the back of your statement to pay by phone. A representative will ask for your account number and the amount you want to pay, then process the payment using your debit card or bank account information. Phone payments post within one to two business days, the same as online payments.
Setting up automatic payments removes the need to remember your due date each month. During your first online login or phone call, you can authorize Swiss Colony to withdraw a fixed amount from your bank account on a date you choose — typically a few days before your due date. Once set up, automatic payments continue each month until you cancel them through your account or by calling customer service.
Mailing a check or money order
Write your account number on the check or money order. Include the payment stub from your statement if possible — it helps the processing center match your payment to your account faster. Mail to the address printed on your statement or bill.
Checks and money orders take five to seven business days to arrive and be processed. If your due date is fewer than seven days away, mailing is risky because the payment may not post in time to avoid a late fee. For time-sensitive payments, use online payment or phone payment instead.
What happens if you miss a payment
If your payment does not post by the due date, Swiss Colony charges a late fee. The amount depends on your account terms and is listed on your statement. The late fee is added to your balance, increasing what you owe.
Missed payments are reported to credit bureaus after 30 days past due. This report can lower your credit score and may affect your ability to borrow money in the future. If you miss a payment, contact Swiss Colony as soon as possible to bring your account current and discuss whether the late fee can be waived — some companies will remove it if you have a good payment history and this is your first miss.
Understanding your statement and due date
Your monthly statement shows the opening balance, purchases made during the billing period, any payments you made, fees, interest charges, and the new balance you owe. The due date is printed near the top or bottom of the statement. Paying at least the minimum amount by this date keeps your account in good standing.
If you carry a balance month to month, Swiss Colony charges interest on the unpaid amount. The interest rate (called the Annual Percentage Rate or APR) is listed on your statement. Paying your full balance by the due date avoids interest charges entirely. Paying only the minimum extends the time you carry a balance and increases the total interest you pay.
Frequently Asked Questions
Can I change my due date?
Contact Swiss Colony customer service to request a due date change. They can usually move your due date by a few days to align with your payday or other bills. The new due date takes effect on your next statement.
What if I pay more than I owe?
The overpayment becomes a credit on your account. Swiss Colony will apply it to your next statement balance, or you can request a refund by calling customer service. Refunds typically take five to seven business days to appear in your bank account.
Is there a fee for paying online?
No. Swiss Colony does not charge a fee for online payments made with a debit card or bank account. Phone payments are also free. Only mailed payments have a cost — the postage and envelope you use.
How do I know if my payment went through?
Log into your account at swisscolony.com and check your recent transactions or payment history. You should see the payment listed within one to two business days. You can also call customer service to confirm the payment was received.
What if I cannot pay my full balance by the due date?
Pay at least the minimum amount shown on your statement to avoid a late fee. The remaining balance will carry over to next month and accrue interest. Contact Swiss Colony if you are having trouble making payments — they may discuss options, though they are not required to offer them.