Can I pay my credit card bill from another account?

How do I pay off my credit card with another account?

Okay, so I was dead broke last month. Needed to pay my Capital One card, like ASAP. Rent's gotta get paid, ya know?

Called Capital One customer service directly. It was around 7 PM on a Tuesday, I think.

• Calling customer service is key. Found the number on the back of my card. Obvious, I guess.
• The rep asked for my info, standard stuff. Account number, the whole shebang.

I explained I wanted to pay it with my Chase card. The guy said they can't directly transfer from one credit card to another. What?!

• Direct credit card transfers are generally a NO. Disappointing, right?

Instead, he suggested a bank transfer. I’m like, “Uh, I am trying to do this with my chase card”.

• Needed to link my Chase account to Capital One. Annoying, but whatcha gonna do?

So, I used the Capital One website. Found the "add external account" option. Verification was a pain! Micro-deposits, ugh.

• Took like, two days to verify. Seriously?

But eventually, it worked. I transferred the minimum payment. Phew! Dodged a late fee. I do NOT like those late fees. Avoid late fees at all costs!

And no, I really wouldn’t recommend paying one credit card off with another credit card continuously. That's a debt spiral waiting to happen! I mean, come on! Think about the interest!

• Debt spiral = BAD. Seriously.
• It is not advisable to keep paying off credit cards with another credit card.
• I am against the idea.

Now, regarding making multiple payments on the same bill, it is possible.

• Yep. You can make multiple payments. I’ve done it before.

Just log in to your account and do it online. Just be sure to pay at least the minimum before the due date.

Can I pay a credit card with a different bank account?

Pay a credit card from another bank account? Sure, why not? It's not like your credit card cares where the money comes from. As long as it’s green, it’s all good. Think of it as a universal donor situation. Money is money.

Just imagine your credit card issuer giving you the side-eye because your payment originated from, gasp, another bank? Highly doubtful.

• Yes, most issuers are cool with external accounts. I mean, my dog could probably pay my credit card bill if I taught him to use online banking. Probably.

• Accuracy is key though. Double-check those digits! Nobody likes a bounced payment. Trust me.

• Avoid the "oops, I typoed" drama and potential late fees.

• My checking account is with Chase, but I use a local credit union for my mortgage. Variety is the spice of life, right?

• Some issuers, they aren’t created equal. Some payment portals are user-friendlier than others, like comparing a flip phone to the latest iPhone. Ugh.

• Oh, and if you're sending a huge sum, your bank might do a security check. Just a heads-up. It's like they think you won the lottery and are suddenly flush with cash.