Credit card to pay utility bills?

7 Posts

in Credit cards
Hi everyone, I'm a long time lurker but this is my first post.
Apologies if this is answered already but I had a search (on here and on the internet) and couldn't see anything about it.
So I'm thinking about getting a reward credit card for everyday spending - groceries, petrol etc.
I was wondering, if I were to use the card to top up my utility bills account - currently I pay by variable DD every 3 months but I can make interim payments between bills - would this be treated as a cash advance so I'd need to pay interest/fees or would it be treated just like a normal payment eg at the shops?
Obviously if there are charged it negates any reward so I wouldn't want to do that!
Thanks everyone ☺️
Apologies if this is answered already but I had a search (on here and on the internet) and couldn't see anything about it.
So I'm thinking about getting a reward credit card for everyday spending - groceries, petrol etc.
I was wondering, if I were to use the card to top up my utility bills account - currently I pay by variable DD every 3 months but I can make interim payments between bills - would this be treated as a cash advance so I'd need to pay interest/fees or would it be treated just like a normal payment eg at the shops?
Obviously if there are charged it negates any reward so I wouldn't want to do that!
Thanks everyone ☺️
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.withdrawal, NOT withdrawel ..bear with me, NOT bare with me
.definitely, NOT definately ......separate, NOT seperate
should have, NOT should of .....guaranteed, NOT guarenteed
Yes, you can pay towards many utilities with a personal Visa or Mastercard (debit or credit) - less so common with an Amex.
'Variable DD every 3 months' is usually just billed usage paid in full & this is a variable amount; the other option is a flat payment that balances out over the year.
I wasn't asking about topping up a current account, but making a payment to my energy provider - the website says they accept debit or credit cards but what I'm not clear about is whether the credit card provider would treat this payment as a cash advance and charge interest straight away.
.withdrawal, NOT withdrawel ..bear with me, NOT bare with me
.definitely, NOT definately ......separate, NOT seperate
should have, NOT should of .....guaranteed, NOT guarenteed
My idea 💡 is that say the bill is £550, I would then pay £500 in advance of the DD date by credit card, and the remaining £50 would come out by DD as normal so still making me eligible for the lower DD rate.
Good idea to try with a small amount and see if any charges are brought, thank you.