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)

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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: 2,682
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: 2,270
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

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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: 710
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 :smileyhappy:

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Frequent Contributor
Posts: 396
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 $14,300 | Chase United $12,000 | Chase Sapphire Preferred $7,000 | Chase Freedom $5,000 | Citi Simplicity $5,000 | AMEX BCE $4,200 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Frequent Contributor
Posts: 333
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: 631
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 $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | 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 | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
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