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Pay a CC with a CC?

Regular Contributor

Pay a CC with a CC?

So can I pay my Cap1 with my Freedom, then my Freedom with my Zync then my Zync with my debit card? Or any other combo or is that cheating the system?


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Message 1 of 11
10 REPLIES
Established Contributor

Re: Pay a CC with a CC?


Mickey11 wrote:
So can I pay my Cap1 with my Freedom, then my Freedom with my Zync then my Zync with my debit card? Or any other combo or is that cheating the system?

Are you referring to balance transfers or cash advances?


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
Take the FICO Fitness Challenge

Message 2 of 11
Valued Contributor

Re: Pay a CC with a CC?


Mickey11 wrote:
So can I pay my Cap1 with my Freedom, then my Freedom with my Zync then my Zync with my debit card? Or any other combo or is that cheating the system?

its called a balance transfer, and usually involves a fee (usually 3-5 perecent) plus they automaticly start incuring interest at your current rate or possibly higher or sometimes lower depending on the card, also balance transfers usually don't earn any points. 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 3 of 11
Regular Contributor

Re: Pay a CC with a CC?

Oh I'm sorry I meant can I pay the balance with another CC to earn points on the other CC then pay that card with my debit card.


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Message 4 of 11
Senior Contributor

Re: Pay a CC with a CC?


Mickey11 wrote:
Oh I'm sorry I meant can I pay the balance with another CC to earn points on the other CC then pay that card with my debit card.

Not likely

Message 5 of 11
Valued Contributor

Re: Pay a CC with a CC?

No.

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Message 6 of 11
Valued Contributor

Re: Pay a CC with a CC?


Mickey11 wrote:
Oh I'm sorry I meant can I pay the balance with another CC to earn points on the other CC then pay that card with my debit card.

no, that would cut into the other cards balance transfer bonuses... i have never seen an option to use a card to pay a credit card bill...  you could use a paper check that comes with some cards to do it.. but they all have features included to make it worth while to the card company. 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 7 of 11
Frequent Contributor

Re: Pay a CC with a CC?


Mickey11 wrote:
So can I pay my Cap1 with my Freedom, then my Freedom with my Zync then my Zync with my debit card? Or any other combo or is that cheating the system?

Sorry I am pretty sure that there are laws against credit card providers allowing payment via another credit card, other than balance transfers which are completely different and wheres there is usually a fee involved.


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Message 8 of 11
Regular Contributor

Re: Pay a CC with a CC?

Well there goes my plan to rack up my chase points!


Starting Score: TU 660 EQ 623 EX 644
Current Score: TU 670 EQ 683 EX ???
Goal Score: 700 on all 3

Freedom: $3k, CSP: $5k, Chase Disney Premier: $5k, AmEx Zync: NPSL, Cap1 NH: $750, Cap1 Plat: $750, USC CU: $500
Message 9 of 11
Established Contributor

Re: Pay a CC with a CC?

LOLSmiley LOL


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 10 of 11