How to set up regular payments using Capital One Classic?

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trimy
trimy Posts: 6 Forumite
edited 27 October 2010 at 10:17PM in Credit cards
Hi, I am new with Credit Card.
Just got a Capital One Classic for earning some cash back. Used a couple times for fuel and shopping. But I cannot figure out how to set up standing orders or Direct Debits to pay my phone bill, gas/electricity, rent and council tax. They all require my 8 digit Account Number and 6 digit Sort Code, which I don't know. Any one has idea how to do that?
I know if I pay my council tax by paying online, I can fill my card number in. But it is a bit hassle to do it every month though.

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  • cifpower
    cifpower Posts: 6,502 Forumite
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    You cannot set up a standing order from a credit card as credit cards are not bank accounts and do not have a unique sort code/account number like bank accounts.
  • Milarky
    Milarky Posts: 6,356 Forumite
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    edited 27 October 2010 at 9:07PM
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    To use a credit card to 'pay a bill' you must 'present it' to the biller (eg BT) and it is up to them to decide whether to allow you to do this or not. If a company will accept credit cards in settlement of a debt, they will take the card's details together with some form of 'authorisation' from you (eg you submit your PIN or 'CVV' which ensures you are 'you') and debit this amount from your account. One credit card is exactly like another in this respect.
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  • trimy
    trimy Posts: 6 Forumite
    edited 27 October 2010 at 10:42PM
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    Milarky wrote: »
    To use a credit card to 'pay a bill' you must 'present it' to the biller (eg BT) and it is up to them to decide whether to allow you to do this or not. If a company will accept credit cards in settlement of a debt, they will take the card's details together with some form of 'authorisation' from you (eg you submit your PIN or 'CVV' which ensures you are 'you') and debit this amount from your account. One credit card is exactly like another in this respect.

    Is it called Recurring Payments, which is recommend to avoid?

    Sorry, I am being a daffy here. Do you guys think it is still worthy to try to ask my mobile phone, energy companies and landlord to get money from my Credit Card every month instead of my Debit Card?
  • td_007
    td_007 Posts: 1,212 Forumite
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    trimy wrote: »
    Hi, I am new with Credit Card.
    Just got a Capital One Classic for earning some cash back. Used a couple times for fuel and shopping. But I cannot figure out how to set up standing orders or Direct Debits to pay my phone bill, gas/electricity, rent and council tax. They all require my 8 digit Account Number and 6 digit Sort Code, which I don't know. Any one has idea how to do that?
    I know if I pay my council tax by paying online, I can fill my card number in. But it is a bit hassle to do it every month though.

    Word of caution regarding setting up continuous payments via credit card - you will not be able cancel it yourself and will have to depend on the merchant to do it. In many cases this has proved to be a very drawn out process. Also, generally with utilities if you pay by direct debit you get a better deal compared to paying by cheque/credit card etc.

    Set up a direct debit from you bank account (that is what you are asked with a/c no. and sort code). If there is no additional charge to pay your council tax with credit card, then continue to pay that with CC - it is a bit of hassle but then you need to decided if that is worth about £1-1.50 per month. Alternatively, set up a direct debit.
  • mjm3346
    mjm3346 Posts: 46,943 Forumite
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    I know if I pay my council tax by paying online, I can fill my card number in. But it is a bit hassle to do it every month though

    I know my council charges 2% for CC payments and they are not alone. If your council charges it would more than wipe out the standard 1% cashback.

    "at least 55 councils were making credit card charges, with 12 adding 2% or more to the cost of services.
    Seven councils have started imposing card charges in the last year and several have plans to bring them in.
    Bath and North East Somerset Council imposes a surcharge of 3% on council tax payments and planning applications and many other services, if a credit card is used"
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