By David
Many have, as they sat at the dinner table writing checks, wondered if there was a better way to pay their bills. Maybe you have contemplated making your credit card payment online. Making an online payments is a straightforward process, and it is often more convenient that other payment methods.
Through your bank
Most banks these days have a website that will allow you to access your accounts, set up transfers, and make credit card payments online. This method requires a little bit of set up, but once you have got everything going it, will only take a fraction of the time it once did to do your credit card payments. Assuming you are already logged in, you will want to go to your bank’s bill pay section. Once there you will need to set up a “pay to” account for your credit card company. Typically there will be a list of companies to choose from. Just pick the card company associated with your card and enter your account information (name, card number, expiration, and CCV) as well as a nickname for your new “pay to” account and click save. Once the “pay to” account is set up, you just enter the amount you wish to pay and when you would like it to arrive and send the payment. If however, your credit card happens to be through the same bank as your other accounts; you will find that payments are as easy as a simple transfer from one account to another.
Through your card’s site
Another way to make a credit card payment online is through your card company’s website. You will need to login and choose the “make a payment option.” Once on the payments page, you will be asked for your payment information (typically your debit card information). Once this is filled in you can enter the amount you would like to pay and send the payment. Before making your payment or sometimes after, you will be asked if you would like the website to save your payment information for future payments. If you decide to do this, any future payments made the same way will be a quick and easy process.
Automatic payments
An extension of the other two payment methods, automatic payments allow you to “set it and forget it” so to speak, in regards to your credit card payments. Your first option in this regard is of course to go through your banks website. This is a great option if you have a fairly consistent credit card bill. Just go to your bill pay section and to the “pay to” account you made earlier and select the recurring option for your payments. The other option is through your card company’s site and works basically the same way, except that it will charge the minimum balance due automatically. This is a good way to avoid accidental late fees.
With the information above you should be able to make your credit card payment online and save yourself a little time.
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