How to pay a bill with a credit card without risks?

Looking for more attractive solutions for consumers, we decided to write this article with a more advantageous solution.

How do I pay a bill with a credit card?

In fact, the credit card has become the most used form of payment among Brazilians.

According to the SPC, the number currently represents 52 million consumers in our country.

In fact, a great way out is to take advantage of this payment method to pay essential debts, in case of some kind of financial unforeseen event.

However, not all cards offer this possibility!

And, first of all, you need to know the costs and fees charged. You should also assess whether there will be enough income to cover the full amount of the bill next month.

In some cases, many consumers end up using the card to pay bills frequently and end up getting into even more debt.

In other words, “they keep pushing with their stomach”

If this is your case, don't do it! Use this method responsibly and with caution.

We have selected some options for pay bill with credit card that will help you in times of trouble. Just look!

How do I pay a bill with a Visa credit card?

Firstly, pay bill with Visa credit card It is super fast and practical. Valid for all cards.

Recently, the brand launched IQ Contas in partnership with Cielo.

The App brings together all your monthly bills, controls your expenses and allows payment via Visa and Mastercard.

In fact, when you pay with your card, you also get several benefits, such as miles, Cashback and even discounts.

However, if paying your card debts is something that happens occasionally, it is important to cancel your membership immediately.

Because every month the bills are debited directly from your credit limit.

How do I pay a bill with a Neon credit card?

Already to pay bill with Neon credit card, the first step is to insert your card into digital wallets, such as Samsung Pay and Google Pay.

Then just register your card and pay your bill using participating apps, such as Recarga or Magalu Pay.

How do I pay my bill with a Santander credit card?

If you have a Santander credit card with this option, you can alleviate any unexpected expenses during the month.

There are three ways to pay bill with Santander credit card:

Via Internet Banking;
Santander App;
And also by phone at the call center.

However, consider whether pay bill with Santander credit card is your only option.

Since for each bill the institution charges a fee of R$24.90 together with the IOF charges.

How to pay a bill with an Itaú credit card

Recently, the bank released the function of pay bill with Itau credit card.

The advantage of the procedure is that the only fee charged is the IOF, unlike Santander where a fee of R$24.90 is also charged.

Initially, to make the payment, simply access Internet Banking or the App on your cell phone and look for the “Pay Bills” option.

After that, enter your card number and then type or scan the barcode. Finish by selecting the “pay using card” option.

It is worth mentioning that the consumer can even pay expired bills. As long as it does not exceed 40 days after the due date.

How to pay a bill with a Mercado Pago credit card

In advance, pay bill with Mercado Pago credit card is one of the easiest options.

In fact, in some cases, on the first payment the customer receives a discount of R$10.00 on the debt.

Interesting, isn't it?

Well, if you are curious to know how to perform the procedure, know that it is very easy!

If you already have access to your Mercado Pago account, just log in with your email and password.

Then, select the “bills and taxes” option and choose whether you want to type or scan the barcode.

Then, select how you want to pay your bill, which can be using either a Mercado Pago credit card or another payment method.

How do I pay a bill with a Bradesco credit card?

From now on, know that pay bill with Bradesco credit card It's as easy as taking candy from a baby.

If you are already a customer, simply access your account via Internet Banking or the bank's App. Then, choose the payment option, which in this case is Bradesco credit card.

Then, enter the barcode of the bill you wish to pay and select the “credit card” option again.

However, the procedure incurs a fee of R$16.00 together with the IOF tax.

How do I pay a bill with a C6 Bank credit card?

Another very common question from our readers is How to pay a bill with a C6 Bank credit card.

According to an interview given to Seu Crédito Digital, Maxnaum Gutierrez – partner at C6 Bank – mentions that this is a very high demand among customers.

And, which has been studying the possibility of releasing the function, however, there is no scheduled release date.

How do I pay a bill with a BB credit card?

On the other hand, pay bill with BB credit card It is a system that has made consumers' lives much easier.

This is because currently, the customer can pay water, electricity, telephone and other bills with barcodes, using the Ourocard limit.

It is even possible to pay your bills in up to 24 installments!

However, be careful! During the transaction, Banco do Brasil charges fees and IOF.

The rate varies from 2,98% to 7,35% per month and it all depends on the type of card the customer has.

How to pay your electricity bill with a credit card?

Rightly so, pay electricity bill with credit card has become a relief in emergency cases.

Fortunately, credit cards and technology are now the allies of many consumers. In addition, they are an alternative to keeping debts up to date and avoiding being cut off.

Therefore, one of the best suggestions is to use your credit card as a payment method in digital wallets. This way, you won't pay IOF fees or taxes.

We have separated a list below with the best options. App to pay bills with credit card. Let's check it out?

5 App options to pay bills with a credit card

PicPay

PicPay is one of the most popular and widely used digital wallets among Brazilians. The app was launched in 2012 and currently has over 50 million users.

However, if you select this option to pay bills, you need to be careful. Because, the institution charges a fee of 2.99% on the account value.

Furthermore, if the customer wishes to pay the bill in installments, interest will be added, depending on the number of installments.

Mercado Pago

If your budget is too much, Mercado Pago is the best app for paying bills with your card.

After all, the interface is very easy to use, allowing you to register different types of cards.

The main advantage is that there are no fees, charges or interest to use the service. However, if your account is greater than R$$500.00 you cannot use it.

Love Digital

Another option to get out of trouble is Ame Digital, very famous for its Cashback platform.

Today, the network has a digital wallet that encompasses several financial services, such as cards, loans and even insurance.

Through the account, the customer can make tax and bill payments using a credit card.

IQ Accounts

Initially, as we mentioned earlier, IQ Contas was recently launched in partnership with Visa and Cielo.

The platform can bring together all your debts in one place.

This way, you can pay for water, electricity, cell phone plans and even property tax.

The service is free, with no fees or IOF charges and the best part is that when you pay a bill at IQ you earn air miles.

And, you can exchange them for both travel and products.

Pay Recharge

Like PicPay, Mercado Pago and Ame, Recarga Pay is a digital wallet that is very popular among consumers.

This way, through the App you can pay bills using your credit card, top up your cell phone, pay for transportation and much more!

An account of up to R$500.00 is free of charge. However, above that, the fee charged is 2.99% in interest.

Another feature is the Prime Recharge subscription service, which costs R$1,400,90.

Through it, consumers can pay bills of up to R$1,000.00 without being charged fees.

Is paying debts on a card advantageous?

Given this scenario, the question that remains is: “is paying debts on a card advantageous”?

First of all, to get the answer to this question you need to first evaluate your intentions.

In other words, do you want to pay your bills with your credit card because it is really necessary or because you want to accumulate points and miles?

Well, if your purpose is the first question, it is certainly more advantageous to pay off a debt with a credit card than to be without electricity and water, for example.

However, if your intention is to accumulate miles and points in loyalty programs, this may not be a good deal.

According to Indec – Brazilian Institute of Consumer Protection – paying bills with a credit card to earn miles and points is not always worth it.

In the article published by the Institute, the economist Ione Amorim says that paying bills with a card to accumulate air miles is not such an advantageous practice. And, she warns that:

Conclusion

In short, to pay bills with a credit card without risk and with greater security, it is important to be financially aware. In other words, the most important thing is to only carry out the procedure when necessary.

In Brazil, it is very common not to have an emergency fund for delicate cases. Generally, the ally we always have on hand is the limit on our credit card.

Therefore, if you need to postpone your bills, always check which rate is the lowest and if there are other options, such as borrowing money from a family member.

If this is not possible, use your card in a healthy way and avoid accumulating revolving interest.

It is important to emphasize that the ideal is to perform the operation occasionally and not routinely.

Avoid this practice if your intention is to accumulate points or air miles. Or if you are using the card to “plug a hole” from which you can never get out.

In this last case, analyze other opportunities, such as renegotiation, the possibility of earning extra income to pay debts, among others.

Did you like the subject? Then send this content now to your acquaintances who are going through a financial crisis!

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By: Consultacred Content Team updated ago 3 years back