By David
It used to be that in order to pay your credit card you had to wait for your statement, write a check, address the envelope, stamp it, and send it out, making sure to get it out a couple days before the due date so that it would be postmarked on time. Now there are newer and easier credit card payment methods to make your life a little simpler.
Over the Phone – One option available these days, and a great credit card payment method for anyone who doesn’t wish to mess with computers is to make payments over the phone. There are a couple ways of doing this; either by check, or by debit card. Simply call up your credit card company and use the on phone guide to direct you to the appropriate department. Once you have a representative on the line you’ll want to tell them your account number and let them know you’d like to make a payment. They should guide you through the rest of the process.
Estimated time to payment: 10-30 min.
Manual Online Payments – If you are comfortable using computers, disciplined enough to remember your bills each month, and like the ability to adjust your payments on a case by case basis, then this is the credit card payment method for you. Like the over the phone option, this method has a couple of different avenues to choose from. You can either, go directly to the credit card’s web site and pay through it utilizing a check or debit card or you can use your banks web site, set up a “pay to” account and send payments through it. Either way after the initial setup you can choose to have the website save your payment information for future payments which makes this a quick and easy option.
Estimated time to payment: 5-15 min.
Automatic Online Payments – Assuming you are comfortable using a computer and making consistent sized payments, this is a great credit card payment method. This particular method is especially helpful if you accidently forget to pay your card one month, as it, once set up will automatically send a payment for you, helping you avoid late fees. As with the other options there’re a couple of ways to do this. You can either, go through the credit cards web site and set it up so that it will automatically debit your checking account or you can set up a “pay to” account on your banks website and set up an automatic recurring payment. Either way you’ll be protecting yourself from late fees. Just be sure not to spend more on your credit cards than you’ll have in your account or you may end up with some overdraft fees.
Estimated time to payment: 0 min.
So whether you’re tired of the old write a check and wait method, or if you’re just looking for a new way to pay to spice things up, you have some great credit card payment methods to choose from.
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