Thanks for all of the feedback guys.
I've been giving it some thought, and I just made my first cellphone payment from my CC because I need points to make my plans for the next year not so expensive. I just never thought about paying my carnote or car insurance through it. I doubt I'd be able to pay my student loans through it, cause ya know paying a loan with a loan is a no go, lol. But everything else would be pretty simple.
I guess I was just over thinking it (as I tend to do when it comes to my bills and credit).
EDIT: I probably couldn't pay my carnote with a CC either. Silly me.
I pay my bills through various rewards cc's including subscriptions like Netflix, Hulu.
@Open123 wrote:
@GatorGuy wrote:
@Open123 wrote:I literally pay *all* of my bills with a rewards CC.
My phone, insurance, taxes, utilities and you name it. It's all with a CC. I use Serve to send bill pay to bypass some of my service providers charging a fee for using a CC payment.
What companies will let you use Serve but not a CC? I thought Serve went through the AMEX network so the company would have to accept CC's.
Serve allows you to load funds with a CC without a fee and earn points, and has full bill pay capabilities, like a bank account. Since my Utility charges a $1.25 fee for using a credit card, I'll just load my Serve with my rewards CC and send a bill pay to them.
It's a full bill pay where you can send a payment or check to anyone or entity. My Utility company was listed on the search, just as it would be on any bank accounts bill pay feature.
So with Serve I could link my Amex (or Chase) CC, pay my carnote, gain the rewards, and then just pay my CC bill like normal?
@Open123 wrote:One second, guys. LOL
Serve is similar to Bluebird (both are offered by Amex), but with some differences.
1. Serve can be loaded with a credit card through your PC or smart phone.
2. Full featured bill pay, just like any bank account - so, you can bill pay a car note, or rent to your landlord.
However, the limitation with CC loading is $250 per month, and $100 per day. While it is possible, these limitations will relegate Serve to paying Utilities, student loan payments, and small car note. With a debit card, you can load up to $1,000 per month.
Bluebird can't be loaded by a CC directly, and requires you to purchase "Vanilla reloads" at a supermarket or drugstore, which can be loaded at a Walmart. I believe you can load up to $10,000? Bluebird too has full bill pay and check writing capabilities, which if funded, can literally pay anything from a car loan to a mortgage, while allowing you to no only earn points, but profit from the payments with the right rewards card.
Thanks for the prompt and concise explanation.
And just so you know, I was about to PM you to tell you to get back the the Bill Pay thread! 