Can I pay my Capital One credit card with another credit card?

Can I pay my Capital credit card with another credit card?

No, you can't directly. It's frustrating, I know. Tried it myself last year, with my Chase card. Didn't work. A total waste of time.

Balance transfer cards, though… those are a different story. Maybe. I’ve heard it’s a gamble. You're shifting debt, not eliminating it. It feels like a temporary fix. A band-aid.

This year, my interest rate on my Capital One card? Ridiculous. Twenty-two percent. Criminal. It’s killing me. I've been researching 0% APR cards; they tempt, but the fees...

Things to consider:

• Transfer fees: These can eat into any savings. They always do.
• APR increase after intro period: The 0% is temporary. Always is. Then, boom! High interest. Again.
• Credit score impact: Applying for more credit affects your score. I’ve seen it. My score tanked.
• Hidden fees: Beware. They're sneaky. Like termites in a house. They eat away at you slowly.

It’s a messy situation. A real headache. I wish there was an easier way. A simple solution.

Is it possible to pay one credit card bill with another credit card?

It's late. Can't sleep. Another credit card bill... it's looming.

Paying one credit card with another? No. Just... no.

• It's not a direct transaction. Wish it were, sometimes.

A balance transfer maybe? Ugh, more debt. Shifting it, not solving it. Feels like kicking the can down the road.

• Fees though, they get you. Every single time.

Cash advance? Even worse. Higher interest. Just... don't. I learned that the hard way last year. Regret it.

• That's like borrowing from a loan shark, honestly.
• Remember that time in 2023...? Never again.

I hate this.

Can I pay off a credit card from a different bank?

Ugh, credit cards. So annoying. Yes, you can totally pay off a credit card from a different bank. Duh. I did it last month! Used my Chase debit card to pay my Discover card. No probs.

Wait, what about BPAY? That's an Australian thing, right? Completely different system. I'm in the US, so that’s irrelevant to me.

Okay, back to credit cards. You can usually do it online, super easy. Or sometimes by phone, I guess. That’s usually a pain in the butt. Direct deposit is what my bank uses. It’s fast.

Things to consider:

• Fees: Some banks might charge a small fee. Check the fine print! My bank doesn’t, thankfully.
• Processing time: It might take a couple of days for the payment to show up. Plan accordingly! Don't wait until the last minute!
• Debit vs. Credit: Using a debit card is usually fine. Avoid credit card to credit card payments. They’re just confusing.

My friend Sarah tried paying her Capital One card with a Wells Fargo account. No issues whatsoever. She’s super organized, unlike me.

I need to check my credit score again. It’s probably low. Seriously, I need to sort my finances out. Maybe next month.

This whole credit card system is a rip-off, honestly. Interest rates are crazy high. I hate it.

The easiest way is through online banking. I swear. I actually prefer it. I hate calling customer service. Those calls always take forever. And they never fix anything.

Can I pay off my Capital One card with another credit card?

Ugh, paying bills... Can't use another card to pay CapOne, right? I think.

• No, directly paying a credit card with another is generally not allowed. It would be way too easy to rack up debt. Like, imagine the loop!

Balance transfers, though. Hmmm.

• Balance transfer? Yeah, that's moving debt. From, say, my Capital One card to a new card. IF I got approved. Need a good credit score.

0% APR intro offer could be killer.

• Look for 0% intro APRs! Saves loads on interest. But there's probably a transfer fee. Is it worth it?

My CapOne APR is, like, insane. Ugh.

• My APR is terrible. Seriously. Probably around 29% or something nasty. Balance transfer is looking good.

Feb 20, 2025? Wow, time flies. Saw that on the CapOne site - Capital One itself basically says consider balance transfers.

What type of payments does Capital One accept?

Capital One takes your money, however you want to give it! Seriously, they're not picky.

Major ways to pay:

• AutoPay: Set it and forget it! Unless you forget to set it, then you’re screwed. Like a forgotten birthday party. Sad trombone sound.
• Mobile app: Download their app, because who uses checks anymore? My grandma does, bless her heart. She's still trying to figure out email.
• Online portal: It's like magic, but less sparkly. More like a slightly dull spreadsheet.
• Phone: Talk to a real human (or a robot pretending to be a human; you'll never know!). My last call lasted 20 minutes. My cat judged me. Hard.
• Mail: Yeah, snail mail. They accept checks. Do you even have checks? Seriously? I went to the zoo last Tuesday and saw a Dodo bird wearing a tiny top hat.

Less common, but still valid:

• Branches: Go in person! Good luck finding parking. I once saw a squirrel riding a tiny bicycle outside my local branch. True story.
• ATMs: Deposit that cash like a boss, except you're technically paying a debt. Still boss-like.

They even accept payment via carrier pigeon if you can train one. Just kidding (mostly). Don't actually do that.