Telco and electricity bills
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Find out how you can pay for monthly expenses such as electricity, water, phone and the Internet with a credit card. In return, you can take advantage of cashback, rebates, discounts and rewards.
Use this guide to help you choose the right card to meet your individual circumstances and needs.
Credit cards can be a convenient way to pay regular bills. They are most commonly used for:
Not all companies and services accept credit card payments. This is often due to the processing charges that they incur. It is unlikely that you will be able to use a credit card to pay for:
There are several types of credit cards that reward you for paying monthly bills. They are:
Choose the card that gives you the benefits you want. However, be aware that some cards limit the rewards you can earn. For example, a miles card may not earn you anything if you only use it to pay for your utility bills.
As long as you commit to paying your credit card balance on time – and in full – each month, then it can be a good idea to pay your bills via your plastic. That’s because by meeting your payments you could get the added benefit from a range of cardholder perks. Plus, multiple payments can be managed in more easily. However, you should never consider putting bills on a credit card if you can’t afford to pay them back.
Using a credit card for your monthly bills has its advantages and disadvantages.
Can I use these credit cards only for regular monthly payments?
No, you can charge a very wide range of expenses to your credit cards. The general exceptions are loan repayments. However, you may not earn as many rewards (or any at all) for one-off payments.
No single card offers all the benefits I want. Should I apply for more than one card?
You may apply for more than one card and be approved if you meet the card providers’ criteria. However, keep in mind that every financial decision has an impact on your credit score. A sudden surge in your credit limit raises red flags that may affect your financial standing.
If I switch telco or utility providers in the middle of the card’s validity period, will I still earn rewards?
This depends on the credit card provider. Some have exclusive tie-ups with certain telco or utility companies and will only reward you as long as you use its partners. Others may offer different rewards rates for different companies.
Does paying bills with your credit card hurt your credit score?
Typically, No. But don’t forget, even missing just one payment is enough to bring down your score a lot. A great way to avoid this situation is to set up recurring bill payments on your account.
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