Credit cards are indispensable parts of most people’s lives as they provide us with a means to purchase everyday items. However, despite their convenience, credit card bills still need to be paid at the end of the month.

As many people have multiple credit cards, this begs the question: can you pay a credit card bill with a different credit card?

Why Are Credit Cards Different?

Credit cards aren’t like other payment methods in that there’s a tremendous “middleman” factor involved. For example, if you use a debit card, cash, or check to pay for something, it’s a relatively simple process of moving money from one account to another. Credit card access is mainly in the hands of creditors and they tend to have their interests and corresponding rules designed to service them.

In practical terms, this means that while you can pay off one credit card with another one, it’s not necessarily a simple process.

Credit card companies don’t like it when you use credit cards to pay off credit card bills for mostly fee-related reasons, so they won’t usually let you.

That being said, there are a couple of ways you can get around this issue.

Cash Advance

A cash advance is when you increase your credit card balance in exchange for receiving immediate cash either through a cash back option in stores or at an ATM.

Cash advances tend to have very higher interest rates than regular purchases on a credit card and usually come with an immediate service fee, often about 5% of the cash advance.

Cash advances are a costly financial option often used as a last resort. However, if you’re super adamant about it, you can always take a cash advance from one card and then take the money and pay the bill for another credit card. It’s not the cheapest option, but it works.

Balance Transfer

Alternatively, you can go the much less expensive route and initiate a balance transfer. This involves moving the balance on one card to a completely different one, usually for a fee of around 3% or so.

The biggest downside to this method of paying a credit card bill is that it’s a risky financial move if you have trouble keeping up with payments and there’s always the possibility a credit card company will deny your transfer request.

Other Options

While it’s rarely possible to directly pay your credit card bill with another credit card, it is possible to transfer funds to a money processing platform that you can then use to make payments.

People have progressively been using CellPay’s H2o recharge payment system more and more to help meet bill deadlines. The service accepts most credit cards and the remaining balance can be used to make installments on other cards.

Paying Off Debt

Making credit card payments can be dreadful for various reasons, but it’s still a necessary thing to do. Having a decent amount of knowledge about properly handling bills can go a long way to making things easier, though.