Can you Pay a Credit Card with a Credit Card?
Yes, it is actually possible to pay a credit card with a credit card. You just need the right wallet. Curve is a mobile wallet with a handy little feature called Curve Fronted, which enables credit card payments where only debit cards are accepted. So you can pay a credit card with a credit card.
Many financial institutions restrict you from using a credit card to pay a credit card, and for bills like mortgages, taxes and school fees. However, Curve Fronted bypasses this limitation by allowing you to pay these fees using your credit card through the Curve Wallet. Essentially, Curve acts as an intermediary, enabling payments where traditional credit card providers would block them.
How to pay a credit card with a credit card using Curve Fronted
- Download the Curve Mobile app
- Link your debit cards and credit cards to your Curve mobile wallet. You can get a free virtual card, or order a physical Curve card which links all your cards into one debit card.
- Enable the Curve Fronted feature
- Select the credit card you want to use to pay a credit card bill in your Curve Wallet.
- Pay your credit card bill using your Curve card details. Your selected credit card will be charged, but because the transaction goes through your Curve debit card, you will be able to pay your credit card bill with your credit card.
Why Pay a Credit Card with a credit Card?
At first glance, paying off one credit card bill with another card might seem counterintuitive. However, there are situations where this can make a lot of sense.
Maximize Rewards: Some credit cards offer substantial cashback, air miles, or Avios points on spending. By paying a credit card bill with another rewards-earning card through Curve, you can earn rewards on payments that typically wouldn’t qualify.
Improve Cash Flow: By using Curve Fronted, you can potentially push back your credit card payment due date by utilisng the payment cycle of another card. This can be particularly useful in managing cash flow without dipping into savings.
Pay down debt faster: Paying off a credit card bill with a lower-interest or 0% interest credit card can save you hundreds, if not thousands in credit card interest. Credit card interest rates are notoriously high, so paying a high-interest credit card with a lower-interest credit card can help you avoid the high interest before it's due.
Streamline credit card usage By paying off your credit card with another credit card using Curve Fronted, you eliminate the need to open new credit lines or apply for a 0% balance transfer, which can have high fees attached.
Pay a Credit card with a Credit Card to Double up on Rewards
Curve Fronted is a dream feature for points-chasers, who use it to double up on credit card rewards. For example, if you earn Avios points on your Amex, you can pay your American express bill with a Barclaycard Avios and earn double-points. And by using Curve Fronted to pay bills that wouldn't otherwise take credit card, you can earn thousands of additional Avios points.
Pay a credit card with a credit card responsibly
If you want to pay a a credit card with a credit card not because because you want to maximise rewards but because you find yourself in financial difficulty, a 0% interest balance transfer credit card can help you pay down debt if you are struggling to pay your credit card balance in full and are paying high interest rates of over 20%. Failing to pay off your credit card in ffull every month than snowball into a persistent debt cyclye. If you are struggling with credit card debt, you can visit visit ww.stepchange.org to seek help. Stepchange is a leading UK debt charity offering free, confidential advice and support for people struggling with debt, including credit card debt
