Credit cards are used widely to pay for online and offline purchases. While credit cards offer some benefits for your purchases, they must be used carefully. Even the best credit card requires financial discipline, especially in making timely repayments.
While many customers use mobile apps to pay their credit card bills, several credit card holders want other payment options. So, how can you make credit card payments without an app? Is making credit card payments online better than offline payments? These are some questions that you might face while paying credit card bills without an app. Here are some important tips to help you pay your credit card bills before the due date.
Methods to Pay Credit Card Bills
If you do not want to use any mobile app to pay credit card bills, many options are available. Credit card payment options can be mainly divided into two categories—online and offline. You can choose either of the available options to pay your credit card bills at your convenience.
Online Credit Card Bill Payment
If you want to make a credit card payment online without a mobile app, many options are still available. Try and make the online payment at least 3-4 days before the due date. Some of the most popular choices for paying bills with the best credit card are:
BillDesk is a popular option for making credit card payments online. You do not need any mobile app to use BillDesk to pay the bill. Most credit card issuers accept payments through BillDesk.
Using a computer or smartphone, you need to visit the BillDesk page for your bank/issuer. Enter the credit card details on the page, along with your email address and payment amount. You can pay the bill via debit card, internet banking, or other available options. Follow the instructions given on-screen to pay the bill. After making the payment, save the transaction number or payment screenshot for reference.
2. Auto Debit
Auto debit is also a good option to pay credit card bills without any app. Every best credit card company offers this option for credit card holders. This option ensures credit card bill payment on time every month from your bank account. This option for credit card payment online needs you to have a bank account with internet banking enabled.
To use this option, log on to your internet banking and enable the auto-debit option in the credit card section. Here you can choose to pay the minimum amount or the entire amount every month and then simply press the confirm button. The specified amount will be paid from your account monthly as per the credit card bill.
3. Internet Banking
Many credit card holders use internet banking to make a credit card payment online. First of all, register the credit card using internet banking to use this option.
Afterwards, log in to your internet banking account and select the credit card option in the menu. Then select the bill payment option, and you can choose to pay the minimum amount, the entire bill, or any other amount. Enter the payment amount and click on the submit button to pay the bill. Save the transaction details for reference.
4. Online Fund Transfer
Every best credit card company accepts bill payments through online fund transfers. You can use NEFT/RTGS/IMPS for credit card payments online from a bank account with another bank. To use this option, you must first register your credit card as a beneficiary using internet banking. After you enter the credit card number, IFSC, name of the beneficiary bank, and other details, it will take around 30 min to 1 hour for the registration process.
Then log on to your internet banking and select the option ‘fund transfer to another bank’. Then select the credit card as the beneficiary and enter the bill amount. Click on the confirm button to complete the payment. Save the transaction number for reference.
Offline Credit Card Bill Payment
If you do not want to make the credit card payment online, then you can also pay the bill offline. It’s best to pay the bill at least 3-4 days before the due date. Following are the different options to pay your credit card bill offline.
1. Over the Counter
Every best credit card issuer accepts bill payments through its branch offices. If the credit card issuer has a physical office, you can pay your credit card bill via cash. Just visit the branch of the issuer, fill up the deposit slip correctly and present it at the payment counter. The counter officer will accept the payment and process it right away. The payment will reflect in the credit card account within one day.
2. Drop Box
Another offline payment option that you can use is a drop box. Many credit card issuers have drop boxes inside the branch, ATMs, or other locations. You can use this payment option to pay your credit card bill through cheque or demand draft. Write the credit card details on the backside of the cheque or demand draft. Once the bank has processed the payment, you will receive a message on your registered number.
If you do not prefer online credit card payment, you can use your debit card at an ATM to pay the bill. The ATM must belong to the bank that has issued the credit card. Insert the debit card into the slot and select the credit card bill payment option to pay the bill. After you have completed the payment using on-screen instructions, the payment will get credited immediately.
Most credit cards offer an interest-free period if the bill is paid on time every month. If you fail to pay the credit card bill on time, the bank can levy late payment charges and interest for the entire duration. So, always try to pay the credit card bill before the due date.
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Also Read: How to Choose the Best Credit Card in 2022