Can I pay off a credit card with another credit card? | Chase (2024)

FAQs

Can I pay off a credit card with another credit card? | Chase? ›

Banks don't allow you to pay your credit card balance directly using another credit card. Typically, payments via check, electronic bank transfer or money order are the only acceptable payment methods.

No, you cannot use a credit card to pay other credit card bills. However, credit cards often have options like cash advance or balance transfer that give you access to "cash" funds. If you are short on money to pay your bills, you can use these funds to pay off your balance.

Balance transfers won't hurt your credit score directly, but applying for a new card could affect your credit in both good and bad ways. As the cornerstone of a debt-reduction plan, a balance transfer can be a very smart move in the long-term.

Generally speaking, you can't pay off one credit card with another. But you may consider a balance transfer card if you're carrying a balance with a high interest rate. Balance transfers allow you to move debt from one issuer's card to another. It might even be possible to find a 0% introductory APR.

You may be able to pay your credit card bill with a cash advance from another card, though fees and high interest often apply. You can use a balance transfer to pay the balance on one credit card by moving it to another, which may include a fee.

Although it's not common, some lenders may let you make car payments with a credit card, but it could be a costly move that may damage your credit score. If you use a 0% intro APR credit card, you could pay off your car loan with no interest, but watch out for high fees, and make sure not to fall behind on payments.

In summary

You can do this at your issuer's local bank branch, an issuer-owned ATM (if applicable) or through a money order.

Paying off one credit balance using another card isn't generally possible. Banks don't allow you to pay your credit card balance directly using another credit card. Typically, payments via check, electronic bank transfer or money order are the only acceptable payment methods.

Consistently paying off your credit card on time every month is one step toward improving your credit scores. However, credit scores are calculated at different times, so if your score is calculated on a day you have a high balance, this could affect your score even if you pay off the balance in full the next day.

If you have a credit card balance, it's typically best to pay it off in full if you can. Carrying a balance can lead to expensive interest charges and growing debt. Plus, using more than 30% of your credit line is likely to have a negative effect on your credit scores.

Can you pay off a credit card with another credit card to get points? ›

Can I earn points by paying a credit card with another credit card? Since balance transfers and cash advances aren't considered qualifying purchases, credit card issuers don't mark them as points eligible activities.

In short, yes — but usually for a fee. Make sure the convenience is worth the potential cost to your wallet or your credit score.

Although it's typical for the account holder to pay their own credit card bills, there are no rules against someone stepping in to help ensure the bill gets paid, temporarily or on a permanent basis.

The short answer is yes, but not directly. Credit Card companies typically do not allow you to pay off your Credit Card bill directly using another Credit Card. However, there are alternative methods to achieve this, each with its own set of benefits and considerations.

While you can't pay off a credit card with another credit card, you can move the debt to a balance transfer card. For maximum benefits, make a debt payoff plan and aim to pay off your balance during the 0 percent intro APR period, which usually lasts between 12 and 21 months.

There are some differences around how the various data elements on a credit report factor into the score calculations. Although credit scoring models vary, generally, credit scores from 660 to 724 are considered good; 725 to 759 are considered very good; and 760 and up are considered excellent.

Most of the banks allow you to visit their bank ATMs to make credit card payment of their own credit cards. However, you cannot use a debit of one bank to pay credit card bill of another bank. And unlike ATM cash withdrawals, credit card payments must be done at the respective bank ATMs not at any other bank ATMs.

No, Cred does not allow paying a credit card bill using another credit card. Cred offers payment options like net banking, debit card, and UPI for bill payments.

Credit card balance transfers are typically used by consumers who want to save money by moving high-interest credit card debt to another credit card with a lower interest rate. Balance transfer credit card offers typically come with an interest-free introductory period of six to 18 months, though some are longer.

Thus, we see that you can pay one credit card bill through another credit card bill via balance transfer, withdraw cash from an ATM, deposit that in a bank account and pay the bill, and transfer the amount into an e-wallet or a bank.