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How To Pay Oportun Credit Card Today: Online, Phone or Mail

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Want to start building your credit history? Oportun is the best way to do that. They offer a visa credit card specifically designed for people who want to build or rebuild their credit history from bad credit. 

With Oportun, you can get started with a credit line of $1,000 and work your way up. Plus, we report your payment activity to all three major credit bureaus so you can start building a positive credit history.

A healthy credit score is important for many reasons – it can help you get approved for a car loan or mortgage, it can improve your interest rates on those loans, and it might even help you get lower insurance rates. Plus, you can sign up for an online account for hassle-free finance management. Want to know about the Oportun credit card? Keep reading!

Benefits Of Oportun Visa Credit Card

  • An Oportun credit card doesn’t require any credit history, nor do they ask for a security deposit. That means even if you’ve never had a credit card before, you can still get approved. It is a  great option for people who are just starting out and building their credit.
  • Another plus is that you can qualify for credit lines of up to $1,000. That’s a decent amount of credit, especially if you’re just starting out. Your account will get reviewed from time to time to see if you qualify for a credit increase.
  • Oportun offers zero fraud liability, meaning you’re not responsible for any unauthorized charges made on your card. That’s a great perk to have, especially if you’re worried about identity theft.
  • Oportun credit cards are accepted worldwide, so you can use your card wherever you travel.
  • Oportun’s online account management tools make it easy to keep track of your account and make payments online. You can also access your account 24/7, so you can always check your balance and transactions.
  • There is no foreign transaction fee or balance transfer fee, so you can send payments without getting charged a penny extra.
  • They do a soft credit pull to avoid any negative impact on your credit.
  • The annual fee is $49, which is pretty affordable, but the APR varies between 24.9% to 29.9% on regular purchases.

Online Account Access

If you’re like most people, you probably have a lot of different financial obligations. Between your mortgage, car payment, credit card bills, and other expenses, it can be tough to keep track of everything. But being organized is key to maintaining a good credit score and staying on top of your finances.

One way to stay organized is to create an online account to manage your credit card information. This way, you can see all your payments in one place and ensure that everything is paid on time.

Oportun offers online account access for their credit card holders. It can be a great way to stay on top of your payments and keep track of your spending. Plus, if you have questions about your account, you can easily contact customer service through the website.

Oportun Credit Card Login

  1. Go to https://account.oportun.com/creditcards.
  1. Enter your Email and Password.
  2. Now, click Log in.

Register Online

If you have not created an online account for your credit card, then follow these steps to register:

  1. Go to https://account.oportun.com/creditcards.
  2. Click on Create Online Account.
  3. Now, enter your Phone Number, Date of Birth, and First Name.
  4. Once you are verified, follow the prompts to set up your online account.
  5. You will have to add an email address and password, and your registration will get completed.

Forgot Password

  1. Click on Forgot Password.
  2. On the next page, enter your Email and Last Name.
  3. Now, click on Reset Password.
  4. Follow the prompts for verification and set up a new password.

Forgot User ID

If you forgot your email, then you will have to contact Oportun customer support at (855) 613-0070. The customer representative will ask for the last four digits of your account number for verification. After that, you can tell them that you forgot your email and want to replace it with a new one. 

Oportun Credit Card Services

Oportun offers a variety of credit card services to help you manage your finances and stay on top of your payments. They offer a wide range of credit cards, including both secured and unsecured options, so you can find the right card for your needs.

Oportun Credit Card Bill Pay Phone Number

The Oportun Credit Card Bill Pay Phone Number is 833-676-7886. You can use this number to pay your bill by phone. You will need to provide your account number and billing zip code when you call. You can also use this number to check your balance, view transactions, and more.

Oportun Credit Card Payment Address

If you’re looking for the Oportun credit card payment address, you’ll find it below. Just use this address when sending in your payments, and your account will be up to date in no time.

Oportun Credit Card Payment Address:


PO Box 561240

The Colony, TX 75056

Customer Service Hours

Oportun customer service hours are Monday through Friday from 8 AM to 8 PM PT and Saturday and Sunday from 9 AM to 7 PM PT. You can reach customer service by calling the number on the back of your card or by visiting the website. If you have any questions or need help, customer service is here to help. 

How To Pay Oportun Credit Card?

There are a few different ways that you can pay your Oportun credit card bill. You can do so online, by mail, or by phone.


  1. Go to the Oportun credit card account website and log in with your email and password.
  2. Now, you can make a one-time payment or recurring payment with your credit or debit card.
  3. You will have to verify yourself before the payment gets processed; just follow the prompts to do it.

By Phone

oportun login payment

If you want to pay your Oportun credit card bill by phone, you can do so by calling customer service at 833-676-7886

Possibility 1

If your call is received by a customer service representative, follow the steps below:

  1. Call 833-676-7886, and select the option to speak with a customer service representative.
  2. Tell the customer service representative that you would like to pay your Oportun credit card bill by phone.
  3. The customer service representative will ask for your account information and payment information.
  4. Once the customer service representative has all of the necessary information, they will process your payment and give you a confirmation number.
  5. Be sure to keep the confirmation number in a safe place in case you need to reference it at a later date.

Possibility 2

If your call is received by an automated system, here is what to do:

  1. First, you’ll need to gather your Oportun credit card account information. This includes your account number and routing number. You can find this information on your monthly statement or by logging into your online account.
  2. Next, you’ll need to call the Oportun credit card customer service number at (866) 488-6090. 
  3. When you reach the automated system, you’ll need to enter your 16-digit account number. 
  4. Once you’ve entered your account number, you’ll be prompted to enter your payment information.
  5. Be sure to have your checking account information handy when you call, as you’ll need to provide your routing number and account number in order to make a payment. You’ll also need to know the amount of your payment.

Once you have all of the necessary information, simply follow the prompts to complete your payment. It’s that easy!

By Mail

Paying your Oportun credit card bill by mail is easy and only takes a few steps. Here’s what you need to do:

  1. Get an envelope and stamp.
  2. Address the envelope to:


P.O Box 561240

The Colony, TX 75056

  1. Put your Oportun Credit Card statement in the envelope.
  2. Seal the envelope and put a stamp on it.
  3. Drop it in the mailbox.

That’s it! You’re done.

How To Avoid Late Fees?

Even if you’re the most responsible person in the world, life can sometimes get in the way of paying your Oportun credit card bill on time. Maybe you lost track of the due date, or maybe you just don’t have the funds available right now. Whatever the reason, if you’re late on your payment, you’ll be charged a late fee.

Fortunately, you can do a few things to avoid being charged a late fee. 

  • Make sure you know when your payment is due. You can find this information on your statement or by logging into your account online. If you’re not sure, give customer service a call, and they’ll be happy to tell you.
  • If you know you will be late on a payment, call customer service and let them know. They may be able to work with you to make arrangements so that you don’t get charged a late fee.
  • If you do end up being charged a late fee, don’t panic. You can always call customer service and explain the situation. They may be able to waive the fee for you.

Final Thoughts

The Oportun visa credit card is a great option for those looking for an affordable online credit card. This card offers flexibility and convenience with minimal annual fees and the ability to pay your monthly bill in full. And with so many payment methods available, it’s easy to get started using your new Oportun visa credit card today.