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Established Contributor
Posts: 985
Registered: ‎09-10-2012

How do you pay your credit cards?

Two of my new cards have cut my first statement and I was wondering how to pay. I just pay my boa by my mobile app via transferring funds. But for the others.....can you call and pay with a debit card or should I add in my banking account information on their site or see if boa offers billpay for them through my online banking? I would prefer to pay via debit card because it is instant from my checking. How do you pay?

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012

Re: How do you pay your credit cards?

I do all mine on y phone. My cap one has an app, the others I do from their websites.

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Valued Contributor
Posts: 2,689
Registered: ‎07-29-2009

Re: How do you pay your credit cards?

I set up my bank account information and pay online.

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012

Re: How do you pay your credit cards?

depending on the card. 


most likely use online banking where they do it electronically. or if they cant they mail a check on your behalf

i tried paying best buy via phone once with debit card and was denied. said contact bank. 

funny thing was that i work at the bank. 

and my debit was allowed 10k charges to go through (this was for 1300). 


anyways gave them my account number and routing number and that went through no problem. 

sometimes you can go instore (for a store card) to pay the card there. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010

Re: How do you pay your credit cards?

I prefer to put my bank account info into the CC site and pay from the CC site.  


That way payments are counted the same day!

Established Contributor
Posts: 711
Registered: ‎06-01-2012

Re: How do you pay your credit cards?

I have every bill added to my online banking account. then I just click who I want to pay and when I want them to be paid. It comes out the day scheduled and is credited to my card that same day, which is nice Smiley Happy

In my wallet: Discover it 6800 CL, Capital One Quicksilver Sig 5k CL, Chase Freedom 4k CL, GCU Patinum Visa 1500 CL
Frequent Contributor
Posts: 398
Registered: ‎04-02-2012

Re: How do you pay your credit cards?

I push it from my bank's bill pay system to the company.  I bank with Schwab so it's effortless.  AMEX and Discover will send me the bill through Schwabs system as well.  Payments get there on the date I schedule.

My Wallet:
Discover It $18,300 | Chase United $12,000 | AMEX BCE $7,200 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | Paypal Extras Platinum $5,000 | Citi Visa Signature $3,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Frequent Contributor
Posts: 335
Registered: ‎08-12-2011

Re: How do you pay your credit cards?

I go to each credit card account and hit pay credit card and I have my chase checking account listed for all my cards. The bill is paid instantly. Then I am satisfied until I check my bank account and see I am broke until another check comes around and we start all over again. 

Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012

Re: How do you pay your credit cards?

Use my phone and bank's apps to pay my bills. Bof/citizensbank/citi i just cross the street and pay in person lol payments post right away.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
Posts: 635
Registered: ‎07-29-2010

Re: How do you pay your credit cards?

Push from my Wells Fargo checking account's bill pay. Its so much easier. Everything clears within 2 days.


And all of the major CCC's send ebills through it so I can see most of my CC statements on my Wells Fargo bill pay.

Discover IT $30K | FNBO Visa $25K | Citi Forward (grandfathered 5x Restaurants!) $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $15K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Southwest Premier $7.8K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity AMEX $7K | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Younkers/Comenity $2.4K | AMEX BCE $3K | Target $1K | EX FICO (from AMEX): 762, TU08 FICO (from Discover): 763, AAoA: 4.3 years

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