paying online bill .is that counted a a cash advance

never-in-doubt

McKneff wrote: »

It would be classed as a cash advance and you would pay interest on it.
You are paying a bill, not purchasing anything.

Not too sure if this is right mate, you can pay most catalogues with a CC and it shows as a purchase. For instance, Next will not give me an account so I buy at the time of order using a card. If they took that as a cash advance i'd have a clear argument. The CC companies are not going to check millions of sales receipts to prove/disprove people are they?

It is treated as a purchase and charged accordingly.

never-in-doubt

UNDERGROUND wrote: »

I must say I'm surprised about that, I was under the impression that no credit card company would allow balances to be reduced by another credit card (except by BT of course). Was it over the phone or online?

UNDERGROUND

I agree - remember Aqua still use Halifax systems and Halifax sure as hell wouldn't let you use your MBNA Visa to pay your HFX 1 Visa - that is definite LOL (tight beggars!)

simon_hzero

Check your CC terms and conditions.

Nationwide CC defines "cash advance" as:

“cash advance” means obtaining cash, foreign currency or travellers’ cheques, or gambling, using the card;

Sainsbury's CC state:

Cash advance - cash, traveller's cheques or foreign currency obtained by using the card or money transfers, finance payments or gambling transactions made with the card

First Direct states:
‘Cash Advance’: any cash withdrawal, Internal Transfer, purchase of travellers cheques or foreign currency, gambling transaction or money order.

So it looks like paying off a catalogue account bill is not classed as a cash advance by many CC companies.

kozyavka

I would like to pay my bills online. but I had some confusions before.Thanks for your post. It has cleared some of my confusions about paying bills online. thanks again:)

EarthBoy

Only your card provider can give you the correct answer to this question as they all have different conditions. Some of them do class paying bills as cash advances. Others, as people have said above, will treat them as purchases. They might also have different rules for different types of bills. Gambling transactions for instance, are usually treated as cash advances, whilst catalogue bills might be classed as purchases. However, it might be different with your card. You will only get the definitive answer by ringing them and asking, or checking the conditions online.

never-in-doubt wrote: »

Not too sure if this is right mate, you can pay most catalogues with a CC and it shows as a purchase. For instance, Next will not give me an account so I buy at the time of order using a card....

That's not paying a bill though is it? Paying for something at the time you order it is just buying something online or over the phone, just like any other purchase. The OP was asking what would happen if she gets a bill from Next and wants to pay the bill with her credit card. That would be paying for something after you have already received it, -it would be similar to paying your gas bill by credit card.

never-in-doubt

May be better for the OP to tell us the name of his CC!

oscar52

I know MBNA still treat them as Balance transfers / Money transfers for bill payments.

benf90

UNDERGROUND wrote: »

I must say I'm surprised about that, I was under the impression that no credit card company would allow balances to be reduced by another credit card (except by BT of course). Was it over the phone or online?

UNDERGROUND

Asda (GE Money) allow you to pay off the balance by credit card online.

I pay off the Asda card using my Egg Money card and it's classed as a purchase.

The first time I paid this way I put a small amount through first to test it. For some strange reason it doesn't actually show as a 'Mastercard' payment on the Asda statement, it shows up as 'Payment by switch'.

ylesia

UNDERGROUND wrote: »

I must say I'm surprised about that, I was under the impression that no credit card company would allow balances to be reduced by another credit card (except by BT of course). Was it over the phone or online?

UNDERGROUND

I was surprised as well! Her account is with the specialist department as she used to be on a DMP with them but recently they starting charging interest again as the £5 was the normal minimum payment. I thought I would be cheeky and ask if I could pay by American Express (5% cashback) and they said no. So I then asked if I could pay by credit card and if it would be classed as a cash advance, the woman was sure that it would be classed as a purchase so I thought I would risk it and see. So paid by Barclaycard, checked my statement and sure enough it's a purchase and I got my 2% cashback

System

ylesia wrote: »

I was surprised as well! Her account is with the specialist department as she used to be on a DMP with them but recently they starting charging interest again as the £5 was the normal minimum payment. I thought I would be cheeky and ask if I could pay by American Express (5% cashback) and they said no. So I then asked if I could pay by credit card and if it would be classed as a cash advance, the woman was sure that it would be classed as a purchase so I thought I would risk it and see. So paid by Barclaycard, checked my statement and sure enough it's a purchase and I got my 2% cashback

This explains it for me. The payment wasn't made directly to the card but rather via a 'specialist department' who have their own separate PDQ system. Once a debt has got that far they're really not too fussy where the money comes from!

I once made a payment to my mates IVA when he'd missed it (obviously hadn't learnt any debt lessons!) using my Halifax Mastercard, this was classed as a purchase.

Regards
UNDERGROUND