Online
Fastest. Pay any amount in uPortal360, or set up AutoPay.
By phone
Available during business hours. A customer service fee may apply when an agent takes the payment.
By mail
Slowest. Allow time for post and processing.
Online
In uPortal360, go to the Home page and select the Make Payment button. Sign in first if you are not already in. You can pay your minimum, your past-due amount, or any other amount you choose. If you would rather not remember each month, set up AutoPay — it is the most reliable way to stay current.By phone
Call us during business hours and an agent can take a payment. Three things you are entitled to on that call:- You are told the fee before the payment is taken, not afterwards on the receipt.
- You can decline it and pay through a channel that has no fee instead.
- The fee is itemized as its own line on your receipt, separate from the payment.
An automated phone payment is not an agent-assisted payment. If you pay through the automated
phone system without an agent, that is treated as self-service and no customer service fee
applies. A fee cannot be charged only because a payment arrived by telephone.
Paying by mail
Make your check payable to Universal Account Servicing, LLC and write your Account Number on the memo line.
Allow time for the post and for processing. A mailed payment is not credited the day you send it.
Your check may be processed electronically. When you send a check, you authorize us either to
use the details on it to create a one-time electronic transfer from your account, or to process it
as a check. If it is converted, the money leaves your account the same way a debit would, and your
bank will not return the paper check to you.
Do not post-date a check. A post-dated check will not be deposited before the date written on
it — but it also does not schedule a payment. If you want a payment on a particular future date,
schedule it in uPortal360 instead.
If someone else is paying for you
A relative or friend can make a payment on your account. They will need to be able to identify the account, and we will record the payment as coming from them. We will confirm to them only that the payment was received and how much it was. We will not tell them your balance, your payment history, or whether you are behind — that is yours, not theirs. A third party’s card or bank account cannot be saved for AutoPay unless that person authorizes it themselves.Paying early, or paying off
There is no penalty for paying early, on any of these accounts. You can pay more than your minimum, or pay the balance off entirely, whenever you want. See Paying early or paying extra for what it does to your interest.Paying off your account
Your statement balance may not reflect the most accurate payoff amount. Interest keeps building every day after your statement date, and on a revolving account the statement figure is an average across the billing cycle. Paying the statement balance can leave you short. For the most accurate figure, open Account Summary in the uPortal360 menu (sign in first if you are not already in). This matters most if you are paying off to meet a promotional deadline. You can pay the full amount any of these ways:- Online. No convenience fee.
- By phone. A customer service fee may apply. You are told the amount first and can decline it.
- By mail. Send a check. This is the way to pay a large payoff in one payment without splitting it to stay under a method’s limit. Allow time for the post to arrive.