How to safely pay credit card bill in cash

20SmthngSver

To be honest, Santander and Barclays are being unreasonable to customers. I wanted to pay a cheque to my credit card first day of lockdown, and she didn't want to let me through the door. I don't like her that much in there, however the one at the counter is very friendly and nice, she had no issue. Barclays yesterday wouldn't let me pay an electricity bill as neither the Giro nor Cheque had Barclays on it, so it's deemed 'not essential to Barclays'. She couldn't have cared less. Waste of 25 minutes queueing. They don't get to decide what's essential, they just hindered. If the customer didn't think it was essential, they wouldn't be going in. They are open so why not let people in and let them do their business? 

I have to say, I cannot fault TSB. No issue letting you in a branch, just walk in and keep 2m apart. No transaction is a hindrance. They want to help. 

JosephK

Obviously the cash OP has to pay CC bill has come from somewhere, it sounds as though he just has a quantity of cash lying around the house simply to pay these bills (maybe this is a wrong assumption) which is not a good idea. To deal with the cash is going to need a one-off visit to bank or post office to pay in, whether by OP or someone he trusts. From then on CC can be paid by direct debit.

General_Grant

Mickey666 said:

(1)  Ask a friend to pay your CC bill online and give them the cash?  Assuming you can find a friend/family/colleague who has enough in their account and would also periodically withdraw some cash as normal.

As far as putting the bank staff at risk, surely that would only be the case if you (2)  think YOU have the virus?

As for the cash, do you regularly receive cash and need to pay bills with it?   If so, you're going to have similar problems in future so it might be wise to find the nearest ATM that does accept cash deposits.  I've used such ATMs many times for depositing cheques and it's very easy and reliable.  The ATM gives you an envelope for the cheque (or cash), you key in the amount and then return the envelope.  You can do this even when the branch is closed (very handy) and the money should be in your account when staff open up and process the envelopes the following working day.

(1)  So the OP would think they could be putting their friend at risk - still another human being.
(2)  We should all work on the principle that we do have the virus, unless we have been correctly self-isolating for appropriate time and then with no opportunity to have come into contact with anyone else or something they could have touched.
I agree with you that using an ATM that accepts cash deposits after close of business is the best available method - even any virus on the notes themselves should be depleted/eliminated by the time the deposit envelope is opened.

20SmthngSver

JosephK said:

Obviously the cash OP has to pay CC bill has come from somewhere, it sounds as though he just has a quantity of cash lying around the house simply to pay these bills (maybe this is a wrong assumption) which is not a good idea. To deal with the cash is going to need a one-off visit to bank or post office to pay in, whether by OP or someone he trusts. From then on CC can be paid by direct debit.

Maybe he doesn't want to do a direct debit for it and would rather clear it sooner than the last day due. It's neither here nor there. Options exist for a reason. He said he hasn't got online banking so may not feel comfortable having automated payments he can't check, and would have to go into branch to get checked anyway.

EarthBoy

20SmthngSver said:

JosephK said:

Obviously the cash OP has to pay CC bill has come from somewhere, it sounds as though he just has a quantity of cash lying around the house simply to pay these bills (maybe this is a wrong assumption) which is not a good idea. To deal with the cash is going to need a one-off visit to bank or post office to pay in, whether by OP or someone he trusts. From then on CC can be paid by direct debit.

He said he hasn't got online banking....

He didn't say he hasn't got online banking.  He said he couldn't pay the bill by online banking because there wasn't enough money in his account to pay it by online banking.  He has the money in actual cash, and if he can pay this into his account, then he will be able to pay the bill online.  

20SmthngSver

EarthBoy said:

20SmthngSver said:

JosephK said:

Obviously the cash OP has to pay CC bill has come from somewhere, it sounds as though he just has a quantity of cash lying around the house simply to pay these bills (maybe this is a wrong assumption) which is not a good idea. To deal with the cash is going to need a one-off visit to bank or post office to pay in, whether by OP or someone he trusts. From then on CC can be paid by direct debit.

He said he hasn't got online banking....

He didn't say he hasn't got online banking.  He said he couldn't pay the bill by online banking because there wasn't enough money in his account to pay it by online banking.  He has the money in actual cash, and if he can pay this into his account, then he will be able to pay the bill online.  

Either way he's got to go into branch then, so it's either deposit to current account and pay by his own method of choice, or go in and pay the credit card directly. Easier to do the latter.

peachyprice

1. Put the cash and paying in slip in an envelope a few days before you want to go to the bank (virus 'lives' up to 24hrs on paper)
2. Wear gloves to take envelope to bank and don't cough on it
3. Put envelope in cashiers tray
4. Stand back 2 metres while  cashier processes payment.
5. Take receipt and swiftly leave

afis1904

20SmthngSver said:

To be honest, Santander and Barclays are being unreasonable to customers. I wanted to pay a cheque to my credit card first day of lockdown, and she didn't want to let me through the door. I don't like her that much in there, however the one at the counter is very friendly and nice, she had no issue. Barclays yesterday wouldn't let me pay an electricity bill as neither the Giro nor Cheque had Barclays on it, so it's deemed 'not essential to Barclays'. She couldn't have cared less. Waste of 25 minutes queueing. They don't get to decide what's essential, they just hindered. If the customer didn't think it was essential, they wouldn't be going in. They are open so why not let people in and let them do their business? 

I have to say, I cannot fault TSB. No issue letting you in a branch, just walk in and keep 2m apart. No transaction is a hindrance. They want to help. 

So you say you're 20something and you want to pay all your bills via cheque? That just doesn't make any sense.

Wheres_My_Cashback

I think even the Easter Bunny would be able to pay his/her credit card bill without as much fuss as the OP (T) is making!