https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249512#M1209704 <BLOCKQUOTE><HR />@beautifulblaquepearl wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Hi all,</P><P>&nbsp;</P><P>If I use ChargeSmart to pay an auto loan bill, will Chase/Amex see that as a cash advance? Or will it be a regular credit payment?</P><HR /></BLOCKQUOTE><P><FONT face="comic sans ms,sans-serif" color="#0000ff">Hey! I used them for the first time this month to make an extra payment&nbsp;towards&nbsp;the principal balance on the&nbsp;mortgage. Do you use&nbsp;ChargeSmart all the time or is&nbsp;this your first time? How do you like it?</FONT></P><HR /></BLOCKQUOTE><P>It usually only makes sense for meeting minimum spend goals. &nbsp; Or are you getting rewards on the payment that outweigh the fee.</P> Fri, 25 Sep 2015 20:31:48 GMT Anonymous 2015-09-25T20:31:48Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248609#M1209345 <P>Hi all,</P><P>&nbsp;</P><P>If I use ChargeSmart to pay an auto loan bill, will Chase/Amex see that as a cash advance? Or will it be a regular credit payment?</P> Fri, 25 Sep 2015 04:34:12 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248609#M1209345 Anonymous 2015-09-25T04:34:12Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248666#M1209366 <P>Bump!</P> Fri, 25 Sep 2015 05:40:15 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248666#M1209366 Anonymous 2015-09-25T05:40:15Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248835#M1209434 <P>Regular</P> Fri, 25 Sep 2015 12:14:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248835#M1209434 Creditaddict 2015-09-25T12:14:22Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248896#M1209464 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Hi all,</P><P>&nbsp;</P><P>If I use ChargeSmart to pay an auto loan bill, will Chase/Amex see that as a cash advance? Or will it be a regular credit payment?</P><HR /></BLOCKQUOTE><P>No, they won't see it as a cash advance.</P> Fri, 25 Sep 2015 13:25:40 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4248896#M1209464 Anonymous 2015-09-25T13:25:40Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249096#M1209530 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Hi all,</P><P>&nbsp;</P><P>If I use ChargeSmart to pay an auto loan bill, will Chase/Amex see that as a cash advance? Or will it be a regular credit payment?</P><HR /></BLOCKQUOTE><P><FONT face="comic sans ms,sans-serif" color="#0000ff">Hey! I used them for the first time this month to make an extra payment&nbsp;towards&nbsp;the principal balance on the&nbsp;mortgage. Do you use&nbsp;ChargeSmart all the time or is&nbsp;this your first time? How do you like it?</FONT></P> Fri, 25 Sep 2015 16:20:37 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249096#M1209530 Anonymous 2015-09-25T16:20:37Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249263#M1209594 <P>This is just an opionion but it makes sense to be a purchase transaction. If they are processing it as a cash advance people would be better off going to the ATM with their credit card and paying the bill in cash to avoid a fee from the bank and ChargeSmart.</P> Fri, 25 Sep 2015 18:09:47 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249263#M1209594 Anonymous 2015-09-25T18:09:47Z https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249512#M1209704 <BLOCKQUOTE><HR />@beautifulblaquepearl wrote:<BR /><BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>Hi all,</P><P>&nbsp;</P><P>If I use ChargeSmart to pay an auto loan bill, will Chase/Amex see that as a cash advance? Or will it be a regular credit payment?</P><HR /></BLOCKQUOTE><P><FONT face="comic sans ms,sans-serif" color="#0000ff">Hey! I used them for the first time this month to make an extra payment&nbsp;towards&nbsp;the principal balance on the&nbsp;mortgage. Do you use&nbsp;ChargeSmart all the time or is&nbsp;this your first time? How do you like it?</FONT></P><HR /></BLOCKQUOTE><P>It usually only makes sense for meeting minimum spend goals. &nbsp; Or are you getting rewards on the payment that outweigh the fee.</P> Fri, 25 Sep 2015 20:31:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Credit-Card-Payment-With-ChargeSmart/m-p/4249512#M1209704 Anonymous 2015-09-25T20:31:48Z