Reply
Valued Contributor
Posts: 1,998
Registered: ‎03-31-2008
0

What Bills Do You Pay With CC Just For Activity

What bills do you pay on your CC just to keep activity on them.
 
Right now with my crappy sub prime CC i only use these 2 acounts for these bills.
 
First Premier- Netflix Account $14 A Month
Total Visa- TrueCredit &14 A Month
 

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Established Contributor
Posts: 971
Registered: ‎01-13-2008
0

Re: What Bills Do You Pay With CC Just For Activity

I was paying NetFlix on Orchard until Orchard died.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: What Bills Do You Pay With CC Just For Activity

Not just for activity- POINTS
My cell bill, DW's cell bill (5% cash back on these)
 
Electric, Auto insurance, phone/cable/internet,  
Established Contributor
Posts: 697
Registered: ‎03-09-2008
0

Re: What Bills Do You Pay With CC Just For Activity

I pay an internet service on my HSBC that is otherwise SD'd after they refused multiple requests to raise the 7.6K limit. I used to use it a LOT, now alas it is being made an example of.
/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\

"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Valued Member
Posts: 35
Registered: ‎01-04-2008
0

Re: What Bills Do You Pay With CC Just For Activity

As punishment to my credit union, I moved all savings from there and cut use of my credit card.
 
My oldest account and my smallest CL....  I only use my credit card for iTunes.  The ultimate insult.  My last bill was 1.98 and I plan to keep doing that until they "understand."
 
They will not make any money off of me!
Established Contributor
Posts: 721
Registered: ‎03-15-2008
0

Re: What Bills Do You Pay With CC Just For Activity

I don't use my credit cards to pay bills. I know that a lot of people do that for the rewards, but for me, I always feared that paying my bills with a CC was the first step down a slippery slope where I would never get out of debt and couldn't get my bills paid.

Don't ask me why, considering I topped out at about 28K in CC debt just from purchases alone, but I still wouldn't want to use a CC to pay a bill.
4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Established Member
Posts: 29
Registered: ‎06-01-2008
0

Re: What Bills Do You Pay With CC Just For Activity


woopah wrote:
I don't use my credit cards to pay bills. I know that a lot of people do that for the rewards, but for me, I always feared that paying my bills with a CC was the first step down a slippery slope where I would never get out of debt and couldn't get my bills paid.

Don't ask me why, considering I topped out at about 28K in CC debt just from purchases alone, but I still wouldn't want to use a CC to pay a bill.





Personally, I would apply for a Chase freedom card to use for bills only. They have great rewards for paying certain bills. If you're worried about incurring unnecessary debt, cut up the card or freeze it. Whatever it takes not to use it.

That way, you get rewards for money you plan on spending anyway and when you make payments on the card, the good payment history will only help your ficos. If you have money set aside to pay your bills, I don't see how it could hurt you.

You should PIF when using a rewards card anyway, since the rewards cards usually have higher interest rates. Otherwise the interest will eat up what you earn in rewards. Another incentive not to have a revolving balance on the card. JMHO. :smileyhappy:
Established Contributor
Posts: 971
Registered: ‎01-13-2008
0

Re: What Bills Do You Pay With CC Just For Activity

Does anybody really think that "Rewards" are being paid by the credit card company?
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Established Contributor
Posts: 721
Registered: ‎03-15-2008
0

Re: What Bills Do You Pay With CC Just For Activity



Givemesomecredit wrote:

woopah wrote:
I don't use my credit cards to pay bills. I know that a lot of people do that for the rewards, but for me, I always feared that paying my bills with a CC was the first step down a slippery slope where I would never get out of debt and couldn't get my bills paid.

Don't ask me why, considering I topped out at about 28K in CC debt just from purchases alone, but I still wouldn't want to use a CC to pay a bill.





Personally, I would apply for a Chase freedom card to use for bills only. They have great rewards for paying certain bills. If you're worried about incurring unnecessary debt, cut up the card or freeze it. Whatever it takes not to use it.

That way, you get rewards for money you plan on spending anyway and when you make payments on the card, the good payment history will only help your ficos. If you have money set aside to pay your bills, I don't see how it could hurt you.

You should PIF when using a rewards card anyway, since the rewards cards usually have higher interest rates. Otherwise the interest will eat up what you earn in rewards. Another incentive not to have a revolving balance on the card. JMHO. :smileyhappy:




As I said, I understand why people do it for the rewards, such as the Chase Freedom. It's just a little quirk about me. Another one I have is that I have never, and doubt I ever will, set any of my bills up to auto pay, or set them up to be paid prior to seeing my paycheck deposited in my account. It makes me worry something will happen and the money won't be in my account and I'll overdraw.
4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Frequent Contributor
Posts: 455
Registered: ‎11-27-2007
0

Re: What Bills Do You Pay With CC Just For Activity

I use one to pay my Scorewatch every month FP.
GOAL FOR 2010 Paying Down Debt .........653 EQ 685TU EXP???

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.