Which CC let you use bill pay to pay other creditors?

[Membersince2013]

I want to know which CCs will let you use your credit line to pay other creditors without a fee and without considering the transaction as a balance transfer. I was just thinking about it after reading another post. If i can pay all my credit card bill with one specific credit card, i can maximize my rewards even further! Anyone have a clue? I already tried BOA and Amex, BOA considers it as a balance transfer and Amex just said that it's not possible.

[blondy250]

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@Membersince2013 wrote:

I want to know which CCs will let you use your credit line to pay other creditors without a fee and without considering the transaction as a balance transfer. I was just thinking about it after reading another post. If i can pay all my credit card bill with one specific credit card, i can maximize my rewards even further! Anyone have a clue? I already tried BOA and Amex, BOA considers it as a balance transfer and Amex just said that it's not possible.

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Rewards don't count or accrue with a balance transfer.

[DaveSignal]

Hello, I am just leaving a friendly reminder that myFICO forums are a place for discussion of ethical card use.  There are other credit forums on the internet that discuss ways to earn rewards in ways that are not intended by the card issuers, by this is not the place for that.

[ezdoesit]

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@DaveSignal wrote:

Hello, I am just leaving a friendly reminder that myFICO forums are a place for discussion of ethical card use.  There are other credit forums on the internet that discuss ways to earn rewards in ways that are not intended by the card issuers, by this is not the place for that.

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Is what he is asking not ethical?  If he has existing bills and cc with no rewards and is trying to pay those bills and get rewards with another CC.  Is this considering MS like what people use to do with the VR?

[notfancy]

I don't think any CC will allow what you are asking.  They will only do Balance Transfers. I wouldn't blame you for transfering all balances to one card in order to have one montly payment, but I don't think there is a way to maximize your CC rewards by charging something, then moving that balance somehow to another card. There just isn't much of a way to do that.

[Membersince2013]

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@DaveSignal wrote:

Hello, I am just leaving a friendly reminder that myFICO forums are a place for discussion of ethical card use.  There are other credit forums on the internet that discuss ways to earn rewards in ways that are not intended by the card issuers, by this is not the place for that.

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Assuming that the CC company lets you do it, how is it unethical? I only asked because i remember it could be done a couple of years back.

[takeshi74]

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@Membersince2013 wrote:

Assuming that the CC company lets you do it, how is it unethical? I only asked because i remember it could be done a couple of years back.

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They generally do not as you have found and has been stated above.  Who do you recall allowing it in the past and do they no longer do so now?  Bill pay is one thing but paying a credit card with another credit card is an entirely different matter.

[wacdenney]

Is there a way to run your mortgage payment through a CC?  Would that be considered MS?

[ezdoesit]

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@wacdenney wrote:

Is there a way to run your mortgage payment through a CC?  Would that be considered MS?

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I wouldn't considered MS because those are bills that you have to pay anyway and you would be trying to get rewards while doing so.  There is a way but in my opinion it involves more work that I am willing to put in with not enough of a reward in the end. 

Also I would think that the OP would be talking about paying existing CC bills on the new card.  Not new purchases because then he would just put the new purchases on the new card.  Now if he asked are there two cards that you can do that with and keep paying each other with it that would be a different story.

[Membersince2013]

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@ezdoesit wrote:

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@wacdenney wrote:

Is there a way to run your mortgage payment through a CC?  Would that be considered MS?

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I wouldn't considered MS because those are bills that you have to pay anyway and you would be trying to get rewards while doing so.  There is a way but in my opinion it involves more work that I am willing to put in with not enough of a reward in the end.

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My point exactly. I want to get rewards for paying all my bills, not just some. I was hoping to find a way, but unfortunately, there isn't. I've called almost every CC company i have an account with.