What to Do When You Can’t Pay Your Tribute credit card Bill
The Tribute credit card is an unsecured credit card issued by one of the largest financial institution in the world, Capital One. Although customers benefit more from secured credit cards, the Tribute credit card allows customers with a less than stellar credit history to reestablish your credit.
How to Pay the Bill
Making a bill payment in a timely manner reduces the occurrence of penalty fees and service charges. You can make a payment in the following ways:
Pay online: Customers can pay your Tribute credit card bill online by visiting https://www.mytributecard.com/en/login.jsp#jsessionid?redirect=payment.
Pay by mail: A convenient way to make a bill payment is to send through the mail. The address to make a payment is:
Tribute Credit Card Services
P.O. Box 105555
Atlanta, GA 30348-5555
P.O. Box 30279
Salt Lake City, UT 84130-0279
Automatic draft: Sign-up for automatic draft in order to eliminate late payment fees and service charges. You schedule the date in which you payment deducts from your bank account.
Pay by Western Union or MoneyGram: Customers can visit one of several Western Union or MoneyGram location to pay your Tribute credit card bill. Customers may notice a small convenience fee added to your bill payment.
Pay by phone: Contact customer service at 1-866-927-5834 to make a payment by phone.
Questions About Your Billing Statement or Account?
Receiving a Tribute credit card statement without penalty fees is ideal, but unfortunately you may notice charges that you do not understand. We suggest you review the Tribute credit card Terms and Conditions for information about your account. For additional information, you should contact customer service through the online webform.
How the Penalty Fees Work
The penalty fees and charges assessed to your Tribute credit card bill include penalty fees, annual fees as well as an increased APR. Depending on your credit history and payment history, the fees could fluctuate.
- APR – 22.9% to 24.9%
- Annual fee – $29
- Cash advance – 3% of the transaction or 10%
- Late payment – $19
- Returned payment – $35
- Security deposit - $49 to $200
I Can’t Make a Payment
Customers are faced with difficult decisions when you can’t pay your bill. Do you incur penalty charges and collection fees or do you contact customer service and enquire about payment programs? We recommend contacting customer service at 1-866-927-5834. The representative will discuss the following programs and services:
- Payment plan – You have the ability to pay your past due balance over several months. The customer service representative will explain the terms of your payment arrangement.
- Payment extension – Do you need a few extra days to pay your bill? Customer service is willing to move your due date a few days so you will not incur late payment fees.
- Change due date – Does your payment due date fall at an inconvenient time during the month? If so, you have the ability to request a change in the due date. Once the date is changed, you will need to make a payment or risk incurring late payment charges.
Will They Work With Me to Pay My Bill?
The information provided regarding the Tribute credit card was limited, but we did find that the company provides services designed to assist customers that can’t pay your bill in a timely manner. Did the programs and services available from the Tribute credit card help you? Leave us comment on your experiences.