Ask Bill your personal finance question

Advice on bill payment with credit cards

Can you use a credit card to pay bills?

Can you use a credit card to pay bills?

Read full question
Bill's Answer
(7 Votes) | Find Learn Save

Yes you can use your credit card to pay bills as long as the merchant accepts credit cards a payment option. Paying bills with a credit card has its advantages as well as disadvantages. Advantages include convenience and getting Airline miles or other bonus points and incentives that your card offers. There are also disadvantages that you need to consider before using your credit card to pay bills.

Do you pay off your credit cards in full every month? If you carry a balance on your credit card, the interest that you'll pay on the bill payment charges will more than outweigh any bonus points you may get.

Many people also don't look closely at their bills once they've set up automatic payments, so they're more likely to miss errors entirely. In general, using a credit card to pay bills requires you to be responsible about keeping records and especially about paying the card off every month. You should only consider using a credit card to pay monthly bills if you are sure you can pay off the balance at the end of the month.

Bear in mind, however, that regardless of whether you use online bill pay for the convenience factor, or just to rack up rewards, it's critical to pay off the credit card used each month. Non-discretionary spending like rent, mortgage, utilities, etc, can get out of control in a hurry if allowed to pile up month after month on a credit card. As with everything involving credit, discipline is crucial.

I hope the information provided helps you Find. Learn. Save!



(7 Votes)

People also like to Read


Find credit card debt info and statistics at -- your one stop resource for saving money.... Read more >>

Daniel Cohen

Pay your bills on time with online bill pay from - your one-stop resource for saving money.... Read more >>

Daniel Cohen

While some debt relief services help you, others want to scam you. If you properly educate yourself, you can find the...... Read more >>

Daniel Cohen

When you are knee-deep in bills, debt consolidation might be the last thing on your mind. However, this financial avenue migh... Read more >>


1500 characters remaining