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Dumb credit card question

April 10th, 2012 at 12:15 pm

So I'm currently working to charge up $2,000 in 3 months on my citi Thank You card.

This is sort of a dumb question, but I've never done this before and I'm thinking maybe I could do this as I'm concerned I might not be able to spend the $2,000, as most of my utilities, for example, don't accept credit card payments....is there some reason I can't pay for one credit card bill by using another credit card to pay for it?

I usually pay all my credit cards with a personal check.

9 Responses to “Dumb credit card question”

  1. MonkeyMama Says:

    I think in general that would be considered a balance transfer, and generally there is a fee involved. Likewise, using the "Credit card checks" to pay bills generally do not count towards "purchase rewards." At least that is my understanding.

  2. ceejay74 Says:

    Could you get a friend or family member to let you charge stuff they need and then they give you cash or a check? Just a thought, if you were just going to be short by a bit.

  3. creditcardfree Says:

    Could you buy a gift card to a place that you frequent knowing that you would spend that money anyway? Like for gas or groceries?

  4. patientsaver Says:

    Ceejay and Creditcardfree, 2 VERY good ideas.

    Creditcardfree, that was brilliant, in fact!. I went to shop rite website and, lo and behold, you can buy gift cards, free shipping!


    (Buying grocery gift cards kind of reminds me of something else I read somewhere about how people used to buy US coins for frequent flyer miles or something?)

    I'm going to try it. Thanks again! More outside the box thinking!

  5. patientsaver Says:

    Shop Rite only charges a .99 fee per transaction, regardless of the amount.

    I think I'll wait til I'm closer to the end of my 3 month period and I can more accurately predict if, and by how much I may be short the target spending amount. I'll order them then.

    What a perfect idea. I KNOW I will be grocery shopping so no risk of spending on something I don't really need just to earn the rewards.

  6. creditcardfree Says:

    So glad that my idea might work for you!! I think someone suggested it to me at one time...so not completely original. Just passing on good information!

    Can you buy the gift card at the store to avoid the fee? I too think it is a good idea to wait until close to the deadline to limit the amount you might need to charge.

  7. martha washington Says:

    another thought...our cable/internet accepts ccs.

  8. CB in the City Says:

    I was having similar worries with the same card, but having to get new tires definitely put me over the top! I believe it was Retire at 50 who originally gave the gift card advice to me.

  9. Single Guy Says:

    Check your insurance - most will accept CC payments. On one recent effort to spend enough for a CC bonus (I assume that's what you're doing), I might not have had enough otherwise, but I was able to use the insurance payment to make it to the spending threshold.

    I would second the gift card idea. Last December I bought $400 in gas gift cards so I would hit a spending threshold for a CC bonus, I still have over $200 left from that. (as well... I still have $100 in Walmart Gift cards from another CC bonus offer)

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