How to Pay a Credit Card With a Credit Card

If you’re someone who carries a balance on your credit card , you may be looking for ways to pay off your debt faster. One option is to use a credit card with a high limit and low interest rate to pay off your debt.

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Most people believe that you can only pay a credit card with another credit card if you have a good amount of credit available. However, this is not always the case. You can actually use one credit card to pay off another, even if you have less than perfect credit. Here are a few things to keep in mind when using this method to pay off your credit cards.

How to Pay a Credit Card With a Credit Card

If you’re trying to pay off a high-interest credit card, you may be looking for ways to pay off your debt faster. One option you may be considering is using a credit card to pay off your credit card. But is this a good idea? Here’s what you need to know about using a credit card to pay off a credit card.

Step 1: Find a Credit Card That Offers the Service

There are a number of credit cards that offer the service of allowing cardholders to pay their bills with the card. You will need to find one that best suits your needs. Typically, these cards have a higher interest rate than standard credit cards, so you will want to find one with the lowest interest rate possible. You may also want to find one that offers rewards points or cash back on purchases made using the card to pay your bill.

Step 2: Set Up an Online Account With the Card issuer
Once you have found a suitable credit card, you will need to set up an online account with the card issuer. This is usually a simple process that can be done by going to the card issuer’s website and following the instructions. Once you have an account set up, you will be able to log in and view your account information, including your balance and transaction history.

Step 3: Make Your Payment
Once you have logged in to your account, you will need to locate the payment option. This is typically located on the main page of the website or under the “Account Services” tab. Once you have found the payment option, you will need to enter the amount of your bill that you wish to pay. Be sure to double check this amount before submitting it as it cannot be changed or refunded once it has been processed. After you have submitted your payment, it may take a few days for it to post to your account.

Step 2: Determine If You Have the Necessary Credit Limit

In order to successfully pay your credit card with another credit card, you’ll first need to make sure that you have the necessary credit limit. The reason for this is that most credit cards will charge a cash advance fee for this type of transaction (usually around 3-5% of the total amount). This means that if you’re trying to pay a $1,000 balance, you’ll need to have at least $1,050 in available credit in order to cover the fee.

If you don’t have enough available credit, you may still be able to get around this by transferring the balance of one card to another. This can be done by simply calling your credit card company and asking them to process the transfer. There may be a fee for this as well, but it will likely be lower than the cash advance fee.

Step 3: Set Up the Payment

The first step is to make sure that you have enough credit available on the card you want to use to cover the payment. Most credit card companies will allow you to use up to 30% of your available credit for a balance transfer, but it’s a good idea to keep your balance well below that limit.

Once you’ve determined that you have enough credit available, you’ll need to set up the payment. This can usually be done online or over the phone. You’ll need to provide the following information:
-The account number of the credit card you want to pay
-The amount you want to pay
-The date you want the payment to be made
-The account number of the credit card you’re using to make the payment

Step 4: Make the Payment

Now that you have decided to pay your credit card with another credit card, there are a few things you need to do in order to make sure the transaction goes smoothly. Here are four steps to take when paying a credit card with a credit card.

1. Decide how much you want to pay.
2. Gather the necessary information.
3. Make the payment.
4. Keep track of your spending.

Deciding how much you want to pay is important because it will help you determine how long it will take to pay off the debt and how much interest you will accrue. You should also consider whether or not you want to pay more than the minimum payment due in order to save on interest charges in the long run.

Once you have decided how much you want to pay, gather the necessary information for both credit cards. This includes the account numbers, expiration dates, and CVV codes for both cards. You will also need to know your current balance and credit limit on each card in order to calculate if you will be incurring any fees for making a balance transfer.

Once you have all of the required information, log in to your online account for each credit card and initiate a balance transfer from one card to the other. Most balance transfers take between 3-5 business days to process, but some may take longer depending on the issuer. Be sure to check with your issuers ahead of time so there are no surprises.

Keep track of your spending by making note of all transactions made on both credit cards during the balance transfer period. This way, you can be sure that everything is paid off before incurring any additional interest charges or late fees.


There are a few things to keep in mind when using a credit card to pay off another credit card. First, remember that you will be paying interest on the money you borrow, so it’s important to calculate whether or not this is a good financial decision for you. Second, be sure to make your payments on time, as late payments can damage your credit score. Finally, keep an eye on your credit utilization ratio, as this can also impact your credit score. By following these tips, you can use a credit card to pay off another credit card without damaging your credit score.

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