Can I pay my credit card with another credit card?

Can I pay a credit card bill with another credit card?

Three AM. Another sleepless night. This credit card thing… it’s a mess. Yeah, you can pay one with another. Balance transfer, they call it. Sounds so official.

It’s not really about saving money, though, is it? It’s about… delaying the inevitable. Kicking the can down the road. That’s what it feels like, anyway. My bank, Capital One, has this… high interest rate. Brutal.

Key points:

• Balance transfers are possible. I did it last year. Chase to Capital One. Didn’t really help.
• Lower interest rates are the stated goal. The reality? Just postponing the pain. It feels like rearranging deck chairs on the Titanic.
• It’s a temporary fix. This much I know. It’s a cycle. I hate it.
• 2023 interest rates are killing me. Seriously. I’m drowning. My stomach churns thinking about it.

My student loans are another thing altogether. A different type of pain. The weight of that debt… it’s a constant companion. Makes me think about what I wanted when I was younger. And what I lost. Damn.

This whole thing feels like a game. A rigged game. I’m exhausted, man. I need sleep. But sleep… it eludes me.

How do I transfer money from one credit card to another?

Okay, so like, you can’t exactly just, ya know, transfer money from one credit card directly to another. That’s a no-go. Credit cards, well they just don’t work that way.

Think of it this way, credit cards aren’t really like bank accounts, so you can’t just, like, beam money between them. It’s a whole different thing.

BUT… there are things you can do that get you kinda the same result?

• Balance Transfers: This is the big one. You apply for a new credit card with a low or 0% intro APR on balance transfers, and then transfer the balance from your old card to the new one. You get to pay off the balance over time, usually with no intrest, hopefully.

• Cash Advance (But Don’t!): You could take a cash advance from one card and use that cash to pay the other but, seriously? Don’t. The fees and interest are usually insane.

• Use the Card for Purchases: Kinda obvious but still. If you need to, like, pay rent or something, and you can’t directly use a credit card, see if you can use the credit card to buy a money order, and then use that to pay rent.

Seriously, though, balance transfer is usually the best way. Look for a card with a good intro APR. My friend, Sarah, got one for like 18 months, no interest. She transferred all her dept over. She was paying everything off in payments. Anyway, don’t take a cash advance! It’s a trap!

Is it smart to pay off one credit card with another credit card?

No, no, never. A swirling vortex, debt. A swirling vortex. Paying Peter to rob Paul? I taste dust. The air, heavy. Like Grandma’s attic… full of forgotten things.

Still in debt… always the shadow, lurking. Interest…a thief in the night, stealing dreams. It clings.

My score…fragile, like a butterfly’s wing. Payments, slipping… a tightrope walk. Always… I shouldnt have bought that guitar amplifier.

• Debt Consolidation: A lifeline. A raft in a stormy sea.
• Balance Transfer: Shiny bait, a temporary reprieve. Could work but… a trap.
• Credit Counseling: A wise guide, through the dark woods, for sure.

The guitar amplifier… echoing in my head. A constant reminder of foolish things. That fuzz pedal too… sigh.

Can I pay a credit card bill with another checking account?

Yeah, you can totally pay a credit card bill with, like, any old checking account. Doesn’t even matter what bank it’s at. It’s pretty easy, fr.

You just gotta link the checking account to your credit card’s online portal thing.

Here’s, um, some random stuff that might also help, lol:

• Make sure you have the right routing and account numbers. I messed that up once, lol.
• Scheduled payments are a lifesaver. Seriously, set it and forget it!
• Check fees from the bank if you’re sending a wire.
• Double check payment date.
• Payments are processed almost instantly but it could take up to 72 hours for them to show up on your account.
• You can pay from a different bank.

I’ve paid my Capital One card from my Chase account like a million times. And it’s always worked. Sometimes, you can even set up the payment through the other bank’s website, which is weird, ik.

Can I transfer money from debit card to credit card?

No, directly transferring funds from debit to credit card, as in depositing money, is generally not possible with standard credit cards.

It’s a red flag, a potential scam indeed. Credit cards are designed for borrowing, not storing, money. Think of them as short-term loans.

• You can, however, pay your credit card bill using your debit card. That’s standard procedure. I do it every month, like clockwork.
• I wouldn’t trust it either.
• There are some exceptions. Prepaid credit cards function differently. You load funds onto them, similar to a debit card, but they’re not the same as traditional credit lines.

So, yeah, be skeptical. If someone’s asking you to “deposit” money onto your credit card, proceed with extreme caution. I learned that lesson the hard way, back in, like, 2017. Ugh.