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How do you prefer to pay your CC bills?...

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Contributor

How do you prefer to pay your CC bills?...

Using billpay via your bank portal?

In your CC portal using a linked bank account?

 

Also, if you're using billpay, please provide the bank/svc you're using and your likes/dislikes about it (ie: can make same-day payments for free)

Message 1 of 22
21 REPLIES 21
Regular Contributor

Re: How do you prefer to pay your CC bills?...

Most of my accounts are paid using the issuer's portal (linked bank account). *most offer same day crediting of the account as long as payment is scheduled before set cut off time*

There are a few issuer's I push a payment from my credit union for more control of payment date. (2-5 day's for payment to post -- can schedule up to a year in advance).
Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 7/7/2019: EQ:705, EX:672, TU:694
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Message 2 of 22
Community Leader
Super Contributor

Re: How do you prefer to pay your CC bills?...

I use the issuer so I have a confirmation number to refer to if there's a problem. If push payment fails, they don't know it was attempted and don't care, all they care about is payment wasn't made.







Message 3 of 22
Community Leader
Super Contributor

Re: How do you prefer to pay your CC bills?...

Actually, this just happened a couple of days ago with Mission Lane. Unable to make a payment in app or online. Was able to send them screenshots of the error. They took care of it in less than a day. It was a system payment processing error. A push payment would have failed also. They had to create a ticket.







Message 4 of 22
Regular Contributor

Re: How do you prefer to pay your CC bills?...


@Brian_Earl_Spilner wrote:

Actually, this just happened a couple of days ago with Mission Lane. Unable to make a payment in app or online. Was able to send them screenshots of the error. They took care of it in less than a day. It was a system payment processing error. A push payment would have failed also. They had to create a ticket.


This type of issue is why I never wait until last minute to pay. Even my accounts on auto pay are set to pay a week before due; some are set for 5 day's after statement generates... plenty of time to get error corrected if needed. 

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 7/7/2019: EQ:705, EX:672, TU:694
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716

Goal Score: 740+


Take the myFICO Fitness Challenge

Discover IT $1000Cabelas Clasic $1000Chevron $1250Coscto Anywhere Signature Visa -Citi- $5500Conoco $2500ExxonMobil Smartcard -Citi- $2500CareCredit $15000Napa EasyPay (Car Credit) $5000Playstation Visa (Capital One) $750QuickSilver One $2200Sony Financial $2000Walmart $6000Wells Fargo Platinum Visa $3000
Message 5 of 22
Community Leader
Super Contributor

Re: How do you prefer to pay your CC bills?...


@chiefone4u wrote:

@Brian_Earl_Spilner wrote:

Actually, this just happened a couple of days ago with Mission Lane. Unable to make a payment in app or online. Was able to send them screenshots of the error. They took care of it in less than a day. It was a system payment processing error. A push payment would have failed also. They had to create a ticket.


This type of issue is why I never wait until last minute to pay. Even my accounts on auto pay are set to pay a week before due; some are set for 5 day's after statement generates... plenty of time to get error corrected if needed. 


Indeed. This payment was 2 weeks ahead of schedule so I wasn't worried about anything. All my due dates are set up in my calendar with alerts of no less than 5 days, usually 7, to give me a buffer if I forget to pay them and/or there's an issue. Typically, I pay at least 2 weeks ahead of due date.







Message 6 of 22
Contributor

Re: How do you prefer to pay your CC bills?...


@Brian_Earl_Spilner wrote:

I use the issuer so I have a confirmation number to refer to if there's a problem. If push payment fails, they don't know it was attempted and don't care, all they care about is payment wasn't made.


that's a good point. discover's billpay terms say that they'll cover fees if they don't pay on time, but it wouldn't be worth having a "late" payment on record w my cc company. i'll stick to paying via the issuer's portal. :\

 

Message 7 of 22
Community Leader
Super Contributor

Re: How do you prefer to pay your CC bills?...


@cr101 wrote:

@Brian_Earl_Spilner wrote:

I use the issuer so I have a confirmation number to refer to if there's a problem. If push payment fails, they don't know it was attempted and don't care, all they care about is payment wasn't made.


that's a good point. discover's billpay terms say that they'll cover fees if they don't pay on time, but it wouldn't be worth having a "late" payment on record w my cc company. i'll stick to paying via the issuer's portal. :\

 


Right, and Discover is a good example. If you're late on your discover, they'll waive the fee for the first time and may waive the fee if you can show proof of a bank error. Regardless, once that late is in their internal records, you can kiss pre-approvals, CLIs, or graduation goodbye for at least a year. My secured took almost 2 years to graduate because I only made a partial payment onr month.  They cited it as the reason. I'm sure having a discover checking would make it easier to fix, but would they remove the internal blemish? 🤷‍♂️







Message 8 of 22
Frequent Contributor

Re: How do you prefer to pay your CC bills?...

I use my CU's bill pay.  That way I don't have my checking info floating around umpteen websites, and I can pay all my bills (CCs, utilities) from one place.  Plus I can see my checking balance and decide how/when/how much I'm going to pay if I can't afford to PIF.

 

I usually PIF before statement cut, so I have close to 30 days to fix anything that goes awry before the payment really becomes "due".

 

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Message 9 of 22
Regular Contributor

Re: How do you prefer to pay your CC bills?...


@cr101 wrote:

Using billpay via your bank portal?

In your CC portal using a linked bank account?

 

Also, if you're using billpay, please provide the bank/svc you're using and your likes/dislikes about it (ie: can make same-day payments for free)


I use the issuers portal.  I like to have their confirmation numbers in my records.  I use a bank separate from my 2 primary banking relationships for all payments.  I added push payment instructions for each payee.  I have X amount direct deposited into this account bi-monthly.

This community bank was new to our market and offering $300 to new customers.  I decided to keep it for payments to limit exposure.  I use the debit card for odd {one off] purchases online.  My Dad is retired and living in Arizona.  I pay all of his household bills from this account. 


Message 10 of 22
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