Many credit card users wonder if they can use one credit card to pay another card’s bill. social media is full of tips and tricks claiming it’s possible, but the reality is more nuanced.
1. Direct Payment Is Not Allowed ❌
· Banks and credit card issuers do not allow direct payment of a credit card bill using another credit card.
· Attempting to do so via standard payment methods will fail or be flagged as invalid.
2. Why the Restriction Exists ⚠️
· Using a credit card to pay another card essentially creates a debt-to-debt loop.
· It increases risk for banks and can lead to higher defaults.
· Regulatory bodies like RBI discourage such practices.
3. Legal Workarounds Are Limited 💳
· Some people suggest using cash advances from one card to pay another, but:
o Cash advances have high interest rates
o Often come with extra fees
o Can harm your credit score if mismanaged
· Overall, this is not recommended as a regular strategy.
4. Safer Alternatives to Manage Credit Cards ✅
· Use bank account transfers, UPI, or net banking to pay credit card bills.
· Set up auto-debit from savings account to avoid missing payments.
· Consider balance transfer offers from banks if interest reduction is needed.
5. Key Takeaways for Users 📝
· Direct credit card-to-credit card payments are not allowed.
· Avoid social media myths promising easy workarounds.
· Stick to official bank methods to protect your credit score and finances.
✅ Bottom Line:
While it’s tempting to use one credit card to pay another, the truth is: banks don’t allow it, and workarounds can be costly and risky. Always use official payment channels to manage credit card bills safely.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk..jpg)
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