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Why do all the collections agencys want check by phone instead of Credit Card?
Off the cuff....
1. They have your checking account number if there are future "issues".
2. They get their money relatively quickly.
3. You can't (in theory) dispute the charge.
4. It costs them nothing to process the check by phone.
5. With a cc, there is a fee to the CA to process the cc.
6. With a cc, you can dispute the charge and most likely win.
@IOBA wrote:Off the cuff....
1. They have your checking account number if there are future "issues".
2. They get their money relatively quickly.
3. You can't (in theory) dispute the charge.
4. It costs them nothing to process the check by phone.
5. With a cc, there is a fee to the CA to process the cc.
6. With a cc, you can dispute the charge and most likely win.
+1.
My advice is to always send them a money order ~ that way you retain your banking information, which to me is one of the biggest reasons not to do an ACH or personal check.