How do I pay one credit card with another card?

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You can't directly pay one credit card with another for monthly payments. However, you can use a balance transfer, moving debt to a card with a lower interest rate. Alternatively, a cash advance from one card can pay another, but this is usually more expensive due to high fees.

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How to pay a credit card with another card? Step-by-step guide?

Okay, so, paying a credit card with another credit card… that’s a bit of a tricky one, isn’t it? Straight up: You can’t directly pay one card with another like you pay, say, your electric bill. I get why you’d ask though.

BUT, there are ways to get around that!

Technically, direct credit card payments aren’t doable. However, strategies such as balance transfers and cash advances serve as alternative routes. Balance transfers consolidate debts, potentially saving on interest charges. Cash advances provide immediate funds but come with high costs.

Think of it like this: say I have a card with a crazy high interest rate, from that trip to Vegas back in ’18 (whoops!). I could do a balance transfer to a different card.

The other card, maybe a new one offering 0% interest for a year or something? Boom! The new card basically pays off the old one. Interest savings there, and breathe easy.

But be super careful! Balance transfer fees, and those introductory rates do expire. Read the fine print, seriously.

I once almost got burned with a balance transfer. I was SO focused on the 0% intro rate, I totally missed that the transfer fee was like, 5% of the balance. Ouch!

Cash advance? Yeah, you can do that. Basically, you use one card to get cash, then use that cash to pay the other card. But the interest rates are insane. Like, scary movie levels of interest. Don’t even go there, unless you’re desperate. That’s from experience.

How do I transfer money from one credit card to another credit card?

Balance transfers. Easy, right?

Request. Application. Wait. Banks love waiting. I waited.
Approval. Then the transfer. Credit limits shift. Like tectonic plates.
Debt. Now on card two. Pay it. Lower APR? Hope so. Else? LOL. My APR is still high…figures.

Fees exist. Watch out. Balance transfer fees. Interest, too. The devil is in the details. Always.
Credit score impact. Initial dip. Potential rise. Credit karma is fickle. Just like Susan.
Promotion periods. 0% APR? Tempting. Missed payments? Ouch. My mistake.

Consolidation is key. Or is it?

Can I pay my credit card with a debit card?

Wait, can you pay a credit card with a debit card? Hmm.

So, like, directly? Nah. Not really.

You need to use, like, a bank transfer. It’s basically a workaround.

Bank’s payment portal.
3rd-party payment app. Need both debit AND bank details. Ugh.

Why not just pay from the bank, right? Less hassle. Or set up autopay, I guess? My mom does that.

Is it even worth the trouble, this debit card thing? I hate having to input so much stuff online. Security risk!

My credit card is due on the 15th of July, gotta remember that. Did I pay it last month? Yes, I did. Autopay is on!

What else was I doing? Oh yeah, writing this thing. Man, this is weird, trying to sound random. Am I even doing it right?

Can I get a credit score without a credit card?

Yes, you can totally snag a credit score without a credit card, silly. Think of a credit card as just one way to build credit – like using a spoon to eat soup, perfectly acceptable, but hardly the only way.

Many avenues exist. You could have:

Student loans – Those pesky things are amazing credit builders. Seriously.
Car loans – Driving that beauty around? Boosting your score, too.
Mortgages – Owning a home: That’s a major credit score power move.
Utility bills – Even paying your electricity on time contributes. Believe it or not, consistently paying your bills helps you score.

Having any sort of responsibly managed financing account builds credit history. It’s like a game of Jenga; each successfully paid bill is a block added to your credit tower. A credit card’s just a particularly flashy block.

My brother, bless his heart, swore he’d never use a credit card, yet he’s got a better credit score than me, thanks to those student loans I constantly tease him about. Ironic, huh? The irony isn’t lost on me. I’m still paying mine.

So, yeah, credit score without plastic? Totally doable. Don’t sweat it.

Can you transfer money from your credit card to someone elses credit card?

No, transferring money directly from my credit card, it just doesn’t work like that, huh? I wish it did.

It’s not… not allowed. More like, technically impossible.

Cash advances are a thing. I hate them, though.

Terrible interest rates? Ugh.
And fees? Sky-high.

Balance transfers exist. I did it once in 2021.

Still regret it.
The fine print gets you every time.

It always felt like a setup. A game I can’t win. I need to remember that next time.

#Creditcards #Debtmanagement #Paycards

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