Flagstar Bank credit card payment (2024)

Flagstar Bank credit card payments are easy to make. You can do it online, by mail, or through a phone call. If you have outstanding bills, you can take care of them without complications since Flagstar Bank offers payment facilities for its cardholders.

It is a bank located in Michigan, United States, founded in 1987. It has been recognized as a subsidiary of Flagstar Bancorp, Inc., one of the nation’s largest and most powerful banking corporations. It also offers great mortgage benefits for residences, which is why it has also gained value in the market.

Here’s what you should know about Flagstar credit card

You first need to know that Elan Financial Services issues Flagstar credit cards. It is known for being one of the leading providers of virtual and corporate credit cards and offering effective payment services for cost reduction.

If you are a credit card holder, you will be able to manage the handling of this product through online services. Of course, they are provided by Elan Financial. But you can also call 800-558-3424 if you require specialized and personalized assistance.

Flagstar Bank Credit Card Payment Options

There are several ways to make a Flagstar Bank credit card payment successful. Today we will tell you what they are:

1. Paying online will be a simple task

One of the most widely used mechanisms for paying a Flagstar credit card is through the internet platform. In this way, any cardholder can make the payments they deem appropriate. But first, you will need to register your account.

You will be ready to perform any operation if you have completed the registration stage. Log in with your username and password to pay your bills, review your statements and manage your account virtually.

2. Make a phone call, and it’s done

From the comfort of your home, you will have the opportunity to pay with Flagstar Bank credit cards through a simple phone call. The number available for this transaction is 800-588-3424.

Before making the call, you should have at hand important information to verify your identity. The agent handling your case may request your account number and zip code.

When you make the call, you will be greeted by a bank representative. Explain what you need to do, and the professional will guide you step by step to complete the procedure.

3. Send the payment by mail

Mail has always been the most traditional method of making credit card payments. Flagstar Bank has understood the effectiveness of this resource, so it allows its use for cardholders to make bill payments.

First, you must write the corresponding check or money order information. You must also report the correct mailing address so that the package arrives at its destination without complications. It is important to send the mail five days before the due date.

This is the available mailing address:

PO Box 790408
St. Louis,
MO 63179-0408.

4. Payments at a branch

But if you want to make a payment directly, go to any branch and make the procedure quickly, easily, and securely. Find the one closest to your place of residence through the website.

What else should you know about Flagstar Bank credit cards?

The Flagstar company offers its distinguished client the Visa Bonus Rewards Plus credit card. But it also guarantees the Visa Platinium. Remember that these financial products are issued by the provider Elan Financial Services.

If you want to become a holder of any of these credit cards, you will have a low-interest rate. This could be an incentive to decide to apply for this financial product. But that’s not all, as you will also enjoy variable APRs.

1. Visa Bonus Rewards Credit Card

It is the most used because of its introductory APR of 0% during the first six months. This advantage is important when making purchases and balance transfers.

After the first six months, the APR will be 9.99%, but if you are solvent, it could rise to 20.99%. It also offers an APR of 23.99% for cash advances.

Another important element is the maturity date. It will be 24 and 30 days after closing the previous month’s billing cycle. This is important because it allows cardholders sufficient time to pay outstanding debts.

Also, you should know that the minimum interest charge is 2%. You should know that they handle an amount of $35 for returned or late payments. But that’s not all, since it will let you earn up to 1 point for every dollar you spend. Of course, you can exchange the points earned for rewards.

2. Visa Platinum Credit Card

The Visa Bonus Rewards Plus features a 0% introductory APR on purchases for the first 12 months. But after that period, the APR will be 9.99% and 20.99%, depending on your creditworthiness. This product also guarantees an APR of 23.99% for cash advances.

Another point of interest is the payment due date between the first 24 and 30 days after closing the previous cycle. It is also characterized by a minimal interest rate of $2.00.

Late payments and chargebacks have a maximum fee of $35. The Visa Platinum credit card does not generate annual memberships, as with other similar financial products.