What to know about paying off a credit card with a debit card

Not sure how to pay off a credit card bill with your debit card? Read our guide to learn how you can set up payments today.

Can you pay your credit card with a debit card?

It depends. While that isn’t the most conclusive answer you might be looking for, it’s the truth. Being able to directly use your debit card to pay off your credit card ultimately relies on your card issuer(s), their policies, and your specific accounts. So, while the below will give information on how to pay off your credit card bill using your debit card, remember to check your own accounts and issuer policies before trying to do so.

If your card issuers allow you to, there are a range of options to make these payments. However, some credit providers may also need you to provide your actual account information (think routing and account number) to do so. While that may sound intimidating, below we’ll go into further detail on the range of card services available to help you pay off your credit card and stay debt free.

How to make a payment to your credit card using your debit card

There are various methods you can use to pay off your credit card using your debit card, such as:

  • Phone
  • Online
  • Through the card provider’s mobile app
  • Mail

Make sure you review all your payment options, know your provider’s policies, and choose the option that works best for you.

Pay off credit cards online

If you prefer to make your payments online and your credit card issuer offers mobile or online banking, all you have to do is log in to your account to pay off your statement in a few clicks. As you move through the payment steps, you can choose to pay the balance by using your debit card.

You can also choose to manually pay off each statement or set up auto-payments, so you don't have to worry about forgetting your next bill's due date.

Pay off credit cards by phone

Instead of online or mobile banking, you can pay off your card via phone if you feel more comfortable speaking to someone.

The customer service number to call is usually on the back of your card or on your billing statement. Make sure to have your debit card information handy before you call, so your payment can be deducted from the right place.

Pay off credit cards by mail

One of the more traditional ways to pay off your bill is by using a credit slip or check, which you can then mail to your provider using the payment address on your billing statement.

You'll need to make sure to budget enough time for any delivery delays, so your payment still arrives before your balance is due.

Options for paying off your credit card

There are a few different options to consider when it comes to paying off your credit cards. You can choose to pay the minimum amount every month, which is set by your provider.

On the other hand, you can choose to contribute a larger amount, which is ideally as much as you can afford. You may also pay off the entire balance in full. If you have the ability to pay off the entire statement, that is typically the best option as it ensures you stay debt free.

Alternatively, paying less than the minimum amount can result in fines and penalties, such as damage to your credit score, lost promotional interest rates or offers, and being unable to get approved for credit in the future.

It's important to read your credit card agreement closely to help you understand what your minimum payments are and how to avoid unnecessary fees.

Pay a set amount of the credit card balance with a debit card

If paying off your entire credit card balance is not an option, you can elect to pay off a set amount each month with a debit card. Reducing the balance by as much as possible over the minimum payment can help reduce the interest fees you have to pay.

The amount you choose to contribute toward each statement can be part of a longer-term budgeting strategy, with the ultimate goal of becoming debt free by a certain date.

Pay the entire credit card balance using a debit card

Paying off your full credit card balance using a debit card can keep you in good financial health. It can help you avoid getting into debt and eliminate recurring credit card interest fees.

Paying the entire balance is also a good option if you want to close the credit account entirely — for instance, if you have a high annual fee that you'd like to avoid, or you're approaching the end of your card's promotional offer.

Minimum credit card payments

Paying more than the minimum amount can help boost your overall creditworthiness and credit score, keep you debt free, and lead to better financial health. It can also save you money by reducing the number of interest fees you pay.

While you can use your debit card to pay off your credit card in many cases, it is always important to check your provider’s policies to ensure you know how to make your payments. Often, this can be done online, by mail, or even over the phone. When doing so, remember to keep your security in mind and only share your card and account information when necessary.

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