How to Pay a Credit Card Bill from Another Credit Card

Paying credit card bills timely is crucial to avoid late charges, penalties, and interest accrual on unpaid balances. This article will walk you through the multiple ways for how to pay a credit card bill from another credit card. For example, you may ask some other person to pay, or look for balance transfers or cash advances. Understanding all these methods is critical to making an informed decision. It is an unconventional concept but may provide a much-needed financial reprieve. 

Generally, credit card holders settle their own bills every month. An individual may want to settle the credit card bill of a friend, family, or any other loved one to help out. It is possible to settle another person's credit card bill using your bank account, cash, or digital wallet. From the source, funds will be transferred to the credit card account, and the bill can be settled. 

 

Here are some reasons why people may want to pay someone else’s credit card bill:

• To assist someone who is unemployed or has financial difficulties.

• Avoiding late fees or ensuring timely payments to maintain credit scores.

• Assisting someone who is ill, injured, or under a legal arrangement like power of attorney.

 

Regardless of the situation, such payments need clear communication and accurate details to properly credit the account.

“How to pay someone else’s credit card bill?” If you want to help someone settle their credit card bill, you might have come across this question. It can be done in multiple ways. Each option ensures that payments are processed securely and applied to the correct account. Here are the most common ways to settle someone else's credit card dues:

1. Online Bank Transfer

Direct transfers from your bank account to the credit card issuer are simple and efficient. Here’s how it’s done:

1. Log in to your online banking platform

2. Click the "Bill Payment" or "Credit Card Payment" option. It may vary depending on your bank. 

3. Input recipient's credit card number, issuer information, and payment amount

4. Confirm and authorise the payment

2. UPI Payment

UPI apps permit payments directly to credit cards if the issuer allows this. The steps are given below:

1. Open your UPI application

2. Choose the option of paying through a credit card. 

3. Input the recipient's card number or UPI ID attached to the credit card

4. Make the transaction

3. Bank Branch Payment

You can pay offline by visiting one of the card issuer's branches. Here’s how to do it:

1. Give the recipient's credit card number to the bank

2. Deposit either cash or cheque

3. Collect your receipt as proof of payment

4. Credit Card Payment through Digital Wallets on Mobile Phones

You might find the credit card bill payment option on digital wallets like Paytm, Google Pay, or PhonePe. You can use the available option to pay another person’s credit card bill:

1. Open the wallet and go to the "Credit Card Payment" section. Varies from one application to another. 

2. Insert the recipient's card number and the amount to be paid

3. Verify and confirm the transaction

5. IMPS/NEFT/RTGS Transfers

For large amounts, you may consider using IMPS, NEFT, or RTGS to credit the amount to the recipient's credit card account. The steps are given below:

1. Add the details of the credit card to your bank account

2. Fill in the details like card number, bank name, and IFSC code

3. Raise the transfer request and monitor the status

6. Direct Debit Authorisation

If you regularly help someone with clearing credit card dues, setting up a direct debit can save you time. With direct debit, funds will be automatically debited from your account. If you want to stop this automatic payment, you must cancel direct debit before the scheduled date. 

1. Contact your bank to authorise direct debits from your account to the recipient's credit card

2. Enter the details, such as the amount and frequency of direct debit

7. Cheque

Another option is writing a cheque directly to the issuer of the recipient's credit card. Here are the steps:

1. Write a cheque payable to the recipient's card account number

2. Deposit it at the bank or in an ATM cheque deposit box

 

Each method offers flexibility and convenience. Ensure accurate details and retain proof of payment to avoid delays or disputes.

There are certain advantages when using one credit card to pay another, especially when done strategically. The direct settling of credit card bills using another credit is not allowed in most cases (though there are card issuers that allow it). It is mostly done through a balance transfer, a digital wallet with multiple cards, or a cash advance. Some of the advantages of this method are:

• Balance transfer cards often provide promotional rates, reducing the cost of debt repayment.

• Combining balances from multiple cards simplifies repayment and reduces the risk of missed payments.

• Some cards offer introductory periods with no interest, providing flexibility to manage finances.

• It ensures timely payments so that your credit score can remain healthy

While the benefits mentioned above are valid, you must understand the potential disadvantages of using your credit card to pay another credit card bill. These are:

• Most balance transfers or cash advances carry processing fees, increasing the overall cost

• It does not reduce debt but shifts it. It can leave the person with more significant financial burdens than before

• Cash advances on credit cards usually incur higher rates compared to purchases

• This increases your credit utilisation ratio, adversely affecting your credit score