How do you make your payments?

[MakingProgress]

Just curious how everyone makes their CC payments.  

Pull from CC online account?

Push from your checking account's  billpay?

Write a check and mail it?  I think thats still an option.

Other?

How often do you pay?

For me I prefer to push from my checking account and pay weekly.

I keep track of all financial accounts in Microsoft Money.  Yes I know its wayyyyyyyyyyyyyyyyyyyyy outdated, but I have used it for at least 20 years and I'm not changing.   I stub all purchases in my cc account and have a transfer from checking to cc sitting there that I just add my current purchases to and then actuall send the payment on Mondays. 

[Anonymous]

I typically pay from the cc online acct. Weekly or monthly depending on the card and my spend.

[Anonymous]

From CC autopay to pay the full statement balance on or few days before due day if the CC account allows it, I will however make an extra payment to prevent individual UTI of > 29% after a large purchase. IMO, unless you have super toy limits or is about to apply for a major loan, micromanaging UTI or AZEO is an exercise in futility, you're wasting time, effort and money for no good reason, put your credit and money to work by taking full advantage of the grace period and keep your money in a high yield savings for an extra 25-55 days depending on the time of charge.

[Anonymous]

Most of the time I do a pull from the cc's online account. Nowadays I do the payment at or a few days before the due date, no autopay setup.

[Gmood1]

Every account that allows auto pay, is setup to do so a day or two before due date. The oldman87 gives good advice!

[MakingProgress]

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@Anonymouswrote:
From CC autopay to pay the full statement balance on or few days before due day if the CC account allows it, I will however make an extra payment to prevent individual UTI of > 29% after a large purchase. IMO, unless you have super toy limits or is about to apply for a major loan, micromanaging UTI or AZEO is an exercise in futility, you're wasting time, effort and money for no good reason, put your credit and money to work by taking full advantage of the grace period and keep your money in a high yield savings for an extra 25-55 days depending on the time of charge.

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For the most part I agree with what you have said.   For me not having toy limits is very very new so I still make my weekly payments.   I am a control freak. As far as using the the grace period 99.9% of my charges are for everyday purchases such as groceries and gas which I would have previously used my debit card to pay.   Any purchase for everyday expenses I will continue to pay weekly from my checking account that only earns .05%.  For larger purchases that I would transfer the cash from my money market to pay I will take advantage of the grace period.  i.e. I just purchased appliances for $1000 and I will leave that on my new discover card taking advantage of the 14 months at 0%.  I can pay it off durring that time and keep that 1K in my money market account. 

[Anonymous]

I only have credit cards and a student loan payment to make each month, and make them from the issuer's site.  

I log all of my financial activity on a phone app that is basically an old school checkbook register. I have accounts set up for my credit cards and log all of those transactions and keep tabs on my balance.  I realized I was spending too much on credit cards and logging each transaction as if it were a checking account helps keep me in check. If I see the credit card bill running up too high, I put the brakes on my spending. I also then have all of my account balances at a glance at any time. 

I log into all of my accounts every payday and pay anything that is due before the next payday. This habit has stuck with me from my younger days, even though I keep enough in my checking now to set everything on autopay and let it ride. I am working on some 0% debt now and use this biweekly analysis to determine how much $ to throw at that. When it's gone, I'll probably set everything on autopay to pay statement balances in full each month.

[Anonymous]

I set up an autopsy from the cc account to pay 2-3 days before payment is “due.” That is actually my back-up, because I typically pay each card 2x a month and ensure they are PIF with the exception of one card with a very small balance. The one with a balance somewhat rotated depending on what is easiest and most convenient for me at that moment.

WHATEVER WORKS BEST FOR YOU IS THE BEST PLAN!

[DaveInAZ]

I almost always pull from the CC side, when I log in to get my statement I schedule my payment then. The CC pull always pulls the payment on the date I schedule, banks bill pay can vary by a day or 2.
If you think MS Money is outdated, I still use Quicken 2003! I'm stuck with it, newer Quicken versions can't convert data from that old a version and I don't want to start over.

[AverageJoesCredit]

I just go to my creditors website and pay with my linked account. Easy breezy coverl girl. Make sure i have the funds in my checking andenter amount and press send I like Amex and Citi as the credit is instant to see