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I heard something about using a Credit Card to pay monthly on your bills and then sending the payment you would normally send to the bill to the credit card. Can anyone explain this? For instance we get a monthly bill from ATT for cell phone. Could we use our AMEX to pay it and then pay what we would normally send to ATT to AMEX and get some sort of rewards for doing this?
@nursepower wrote:I heard something about using a Credit Card to pay monthly on your bills and then sending the payment you would normally send to the bill to the credit card. Can anyone explain this? For instance we get a monthly bill from ATT for cell phone. Could we use our AMEX to pay it and then pay what we would normally send to ATT to AMEX and get some sort of rewards for doing this?
Thats exactly what you would do I pay as many bills as I can on my cc. Home tel, cell phone, auto insurance, tv etc. then pay it in full before statement cuts.
@nursepower wrote:I heard something about using a Credit Card to pay monthly on your bills and then sending the payment you would normally send to the bill to the credit card. Can anyone explain this? For instance we get a monthly bill from ATT for cell phone. Could we use our AMEX to pay it and then pay what we would normally send to ATT to AMEX and get some sort of rewards for doing this?
I do this with my Chase Freedom and Discover cards to much success.
So that's it? I just set up my payment preference using a credit card and then pay my card every month?
All that's required is that your biller accepts credit cards, ideally without an extra fee (yes, advanced students can use Bluebird even when the biller doesn't take credit cards).
There's not much difference between paying the AT&T bill with a credit card and buying something at Amazon with a credit card. Just pay with your credit card, either on line or filling out the form that comes with the bill and sending it in, the biller is happy, you get rewards, and then you need to settle your credit card bill as needed.
@nursepower wrote:So that's it? I just set up my payment preference using a credit card and then pay my card every month?
Yes,that is it. Always a good idea, as you get the rewards if your credit card has any, and you get a float (where the bill is paid but you haven't paid the credit card) period whether the card has rewards or not.
@nursepower wrote:So that's it? I just set up my payment preference using a credit card and then pay my card every month?
That's it. It is an easy way to get some money running through your card that you would be paying anyway. The same goes for gas. A lot of cards with decent rewards on gas pruchases. And if you travel around your state for work (like I do) and get reimbursed for your gas(like I do) You are bascially getting free rewards.
I agree with all comments above. I use credit cards to pay for most bills. I even have a USAA rewards card that has no other purpose except to pay my USAA insurance bill (USAA only allow its own cards to be used for this).
I can pay my USAA insurance bill with any card. I currently use my AMEX PRG. I have both auto and renter's insurance and never saw a requirement that it had to be paid with a USAA issued credit card.