Everyone knows that you can use a credit card to purchase products and services. Installment is one of the main payment methods. But few people know that it is possible to pay their payment slips through the limit available on the credit card and then pay the amount that comes on the invoice.
But before leaving everything on the payment card, please understand the fees and limitations of such payments. There is no need to postpone for later use and there is no money to pay the entire bill.
How to pay the ticket through the credit card?
First, you should check if your card has this feature. Not all types of accounts can be paid by card. For example, most cards do not allow bills with another card.
Then check that there is a charge for the use of the service and what is the price. We will discuss these costs below.
You can use this card to pay for the ticket as follows:
Access to banking operations via the internet:
- Access your account through online bank look for the “Payment” option type the blank code;
- Choose the payment method “Credit Card”;
- Use password to authorize payment;
- Bank application (call center);
- Bank applications, the device must be previously authorized in the ATM or online bank.
- In some cases, you may even need to contact your bank manager to publish this version.
- Through the Call Center, it is only possible if your bank provides this service.
- Therefore, make sure your bank allows this and what the service value is.
Is it advantageous to pay for credit card ticket? It is worth it?
Although the bank does not cover this service, it is disadvantageous to pay the card ticket due to the use of IOF. All financial transactions are subject to a financial transactions tax.
So if you have money to pay your bills now, don't use your card to pay more. If you have no money now, consider carefully if it is worth paying the debt.
We do not recommend that you use this option because the fees used by banks are often very high (except for IOF charges tax on financial transactions).
We will also recommend 3 apps widely used to pay bills through credit card, check it out:
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Paid market
The paid market is a free market company, digital portfolio for the purchase of goods in the market. Aiming at new markets, the paid market began to offer other services, such as mobile charging, gift card sales and our preferred credit card payment form.
The platform allows the use of credit card for the payment of bills of up to $ 500 per month. Unfortunately, not all accounts are accepted.
Except for some other accounts (eg payment of apartment fees, taxes and other expenses), preferred payments (water, electricity, telephone, etc.) can usually be accepted without any problem.
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Pic Pay
The application appeared with interesting and interesting names, attracting the young audience, and its main function was to make payments between people.
The application charges a rate of 2.99% to pay with credit card. But how to use picpay to pay for free? Come on: You can use your credit card to transfer free $ 800 per month to another picpay account.
Once you do this, you can use the account balance you received in the transfer to pay bills and bills for free. PicPay offers most distributors, ie, it is unlikely to be accepted.
See some tips:
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Pay Recharge
Pay Recharge is an application that recharges mobile phones and also offers other services, such as credit card payment. The free payment limit is $ 100 per month.
However, the company announced that from April 12, 2021 the limit will be increased to $ 500. This is good news! There are no restrictions on transactions during the month. Unfortunately, the number of affiliated companies is slightly lower than the paid market. The full list is available in the app.
If the gratuity exceeds the limit, the charging in the current month account is up to R $ 5,000, and a rate of 2.49%will be charged.
Above this value, the index will be 2.99%. But from April 26, 2021, regardless of value, the rate will be 2.99%. In this case, the application will notify you about the final value of the transaction before completing it.
The app also offers a plan called Prime +, which pays 19.90 reais per month and provides for the limit of 2 thousand reais for payment of bills.
Paying adverse bills through your credit card is a good thing to be the financial interest rate is low, it is important to evaluate well so as not to leave.
Check how your finances are going and organize the bills, the ideal is that it does not happen, but if it is caught (A) it is important to know how to pay through your credit limit and then pay the bill value plus interest on invoice .
