HRS Account and Capital One Retail Services Payment Options

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HRS Account is the website that Capital One uses to manage credit cards that are issued by various retail stores, including Menards, Helzberg Diamonds, Costco, Boscov’s and many more. To make a payment on your HRS Account credit card, there are a few payment methods available, which are discussed below.

Option 1: HRS Account Login and Online Payments

Since HRS Account is the retail services department for Capital One, there is not a single login area that cardholders can access their accounts through. That being the case, to create your online account and sign in, you will need to use the HRS Account customer care page (Check out the next paragraph) and input your credit card’s information to be directed to the proper login and registration areas. After entering your account number and zip code, you will be taken to the correct login area. Once on the branded page you require, click the “Enroll” button at the bottom of the “First Time User” column, then fill out the forms shown to make your login credentials.

With your login credentials created, you may make an online payment with these steps:

  1. Go to
  2. Enter your account number and zip code
  3. Click “Submit”
HRS Account Find Your Login snap

HRS Account Find Your Login snap

  1. Enter your user name and password
  2. Select the “Remember Me” checkbox to save your user name
  3. Click “Sign In”
HRS Account Credit Card Payment Login

HRS Account Credit Card Payment Login

  1. Go to “Payment Center”
  2. Click the “Online Bill Pay Service” link
  3. Select an amount to pay toward your retail credit card account balance
  4. Input the details of the checking account you wish to make a payment from
  5. Submit your payment and confirm the details to finalize the transaction

HRS Account Bill Pay Option 2: Pay by Phone

To make a payment on your HRS Account retail credit card or Capital One credit card over the phone, you may do so by dialing their customer service line at:
(800) CAPITAL.
Follow the prompts given to access the section of the automated system that you need to complete your payment. For those who use or need the assistance of a TDD phone, you can reach them by dialing
(800) 206-7986.
Also, if your credit card through the financial institution is a secured card, you can place your initial deposit on the account balance by using the customer service line for that product by calling:
(800) 219-7931.
More information through the CapitalOne credit cards phone page

Method 3: Pay through the Mail

For HRS Account cardholders who would like to make a payment through the mail, there is not a single mailing address setup. However, Capital One offers an online tool that will allow you to easily find the correct address for you to send your payment to, which is called the Credit Card Payment Wizard. To use this address locator, follow that link and enter the first 6 digits of your retail credit card account and click the “Go >>” button.

When sending a payment to the address that you find using that wizard, make sure to send a money order or personal check and to write your account number on the payment method itself. Also, ensure that you send it at least five business days before the due date so the account is credited on time and does not accrue any late fees.

Helpful Links

  • Joel r taylor
    June 8, 2020

    Hello I never received an email for my Feb payment it was a former sears solutions card I don’t have the account number to enter my information need to email my statement thank you

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