I know my chase credit cards let me pay my phone, gas, cable, and other utility bills with the card so I can accrue points. (the payments are handled via 3rd party processor).
Does Diners Club offer this service as well?
sdsearch
Nov 15, 08, 9:58 am
Since DC (issued in the US) is an MC, any bill you can pay online with an MC you can certainly pay with a DC.
However, you have to set the bill pay up at the payee's site (or in some cases perhaps over the phone with payee), not the credit card site.
I have my cable bill on autopay with Time-Warner Cable (set up when it was Adelphia). TWC is the one which bills DC every month, DC responds.
I could set up my Verizon phone bill on autopay at the Verizon site, except that would require me to give up getting paper statements (and with all their constant fee changes and stuff I want it on paper!), so I've skipped that.
I have a storage unit with Public Storage and they set that up (at the office) for monthly autopay on my DC.
I have myTiVo monthly fee on autopay on my DC, set up at the TiVo website as I recall.
I have a couple other regular monthly services (including a number of magazine subscriptions through some service whose name slips my mind) on autopay on my DC, but again each was set up at the place that bills me.
My utility company and my gas company either do not accept credit cards for payment or have huge "convenience" fees which make it not worth it. But that may different where you live.
toomanybooks
Nov 15, 08, 1:59 pm
My utility company and my gas company either do not accept credit cards for payment or have huge "convenience" fees which make it not worth it. But that may different where you live.
How much are your utility "convenience fees"?
Ours are something like $2 - $3.50, which certain times of year (summer for electric, winter for natural gas) don't amount to anything percentagewise.
Another small trick is to make payments every 2 months, prepaying one. The miles/points in my case outweigh the tiny interest forgone.
sdsearch
Nov 16, 08, 10:23 am
How much are your utility "convenience fees"?
Ours are something like $2 - $3.50, which certain times of year (summer for electric, winter for natural gas) don't amount to anything percentagewise.
Another small trick is to make payments every 2 months, prepaying one. The miles/points in my case outweigh the tiny interest forgone.
In my case the utility (electric only) that allows credit card payement only allows it over the phone (not online), no recurrent auto payment, and charges something around 3% no matter what the amount. So it's just not worth the bother.
My rent, my natural gas, and my electricity are the only recurrent payments I don't pay by credit card. (My rent can be paid by credit card, but in that case they tack on a whopping 10% convenience fee!!!)
My nat gas and elec I set up as the two monthly bill pays to keep my Citi checking/savings account fee-free. My rent is bill pay from my main checking account.
I pay everything else by credit card though, except small cash for parking meters and coin laundry and such. (Though most of my cash I obtain not from ATMs but from friends paying their part of a meal at an iDine/RN restaurant where they let me pay with a card. :) )
trojanman
Nov 16, 08, 11:43 am
I think perhaps people are missing the point of my post.
I know certain vendors allow auto pays to be setup with ANY credit card. However, I am talking about paying those vendors who do NOT accept credit cards.
All chase credit cards, for example, offer a bill pay service for certain utilities that don't otherwise accept card payments. AMEX offers a similar service, but with more limited support.
I wanted to know if DC offered a bill pay service.
toomanybooks
Nov 16, 08, 1:33 pm
I pay everything else by credit card though, except small cash for parking meters and coin laundry and such. (Though most of my cash I obtain not from ATMs but from friends paying their part of a meal at an iDine/RN restaurant where they let me pay with a card. :) )
And the cash you can buy directly from the US mint in the form of $1 coins, paid by CC, with no shipping or extra fees.
trojanman
Nov 16, 08, 8:08 pm
And the cash you can buy directly from the US mint in the form of $1 coins, paid by CC, with no shipping or extra fees.
question about this: can i just take the full boxes of coins I receive and take them right back to my bank for cash/deposit?
Do I need to do anything special before I can exchange these in bulk?
Is my bank going to give me s**t for bringing in thousands of dollars of coins or asking me to hire an armored service in the future?
sdsearch
Nov 17, 08, 10:29 am
And the cash you can buy directly from the US mint in the form of $1 coins, paid by CC, with no shipping or extra fees.
I can't figure out how to earn 10 to 15 miles per $1 spent on said coins.
Meanwhile, I do earn that much when I get cash by having friends pay me cash for their portion of a meal at an idine/RN restaurant!
Compared to that, the hassle of the coins (you have minimum amounts you can purchase, you have maximum amounts you can purchase, if you want to repeat you have to ship to different address each time, they cancel a bunch of order you place, they ship with no signature required, etc) just doesn't seem worth it, for the low amount of cash I need, and doesn't seem dependable enough for using to pay my rent every month.
sdsearch
Nov 17, 08, 10:33 am
I think perhaps people are missing the point of my post.
I know certain vendors allow auto pays to be setup with ANY credit card. However, I am talking about paying those vendors who do NOT accept credit cards.
All chase credit cards, for example, offer a bill pay service for certain utilities that don't otherwise accept card payments. AMEX offers a similar service, but with more limited support.
I wanted to know if DC offered a bill pay service.
DC itself doesn't. But then I'm not sure if these other cards do, or if they simply contract with someone else. (But DC doesn't even contract with anyone who does.)
There are independent bill pay services out there. But they tend to charge "convenience fees" (at the very least) for paying bills with a credit card. Don't the Chase and Amex services do the same?
trojanman
Nov 17, 08, 1:19 pm
DC itself doesn't. But then I'm not sure if these other cards do, or if they simply contract with someone else. (But DC doesn't even contract with anyone who does.)
There are independent bill pay services out there. But they tend to charge "convenience fees" (at the very least) for paying bills with a credit card. Don't the Chase and Amex services do the same?
Yes but the fees are relatively small...I can pay $5 or $6 in fees and get an extra 1500 points every month.
sdsearch
Nov 21, 08, 8:03 am
Yes but the fees are relatively small...I can pay $5 or $6 in fees and get an extra 1500 points every month.
Are you talking about an independent bill pay service you use with Diners Club? If so, could you please explain which one has these small rates? (The one or two I looked at before were much higher as I recall, but I don't remember which those were any more.)
Or are you talking about Chase? In that case, what sort of "points" do you mean? (Diners Club points are 1:1 with miles, but many other kinds of points are 5:1 with miles, or can't even be transferred to real miles, so the phrase "1500 points" by itself, if referencing Chase cards (which have oodles of different partners) doesn't mean anything.
trojanman
Nov 21, 08, 9:58 am
Are you talking about an independent bill pay service you use with Diners Club? If so, could you please explain which one has these small rates? (The one or two I looked at before were much higher as I recall, but I don't remember which those were any more.)
Or are you talking about Chase? In that case, what sort of "points" do you mean? (Diners Club points are 1:1 with miles, but many other kinds of points are 5:1 with miles, or can't even be transferred to real miles, so the phrase "1500 points" by itself, if referencing Chase cards (which have oodles of different partners) doesn't mean anything.
From other responses, it does not appear Diners Club partners with a bill pay service.
I was referring to both chase and MR. Both offer points in their respective programs for using their contracted bill pay services.
sdsearch
Nov 22, 08, 10:15 am
From other responses, it does not appear Diners Club partners with a bill pay service.
I was referring to both chase and MR. Both offer points in their respective programs for using their contracted bill pay services.
Yes they offer points, but the points are of different values, so all I was saying is that "1500 points for $5 or $6 in fees" is a meangless statement if you don't specify exactly which points.
(Chase doesn't have just one points program. It seems every card has a different points program, with the different values, because of different redemption choices. AFAIK, only one of them, the "hidden" Rewards Plus, has points that you can transfer to real miles, but it's never 1:1 like MR -- and in fact varies greatly depending on the airline you transfer to -- hence my issue of "1500 points" meaning something different at one Chase card vs another Chase card vs Amex MR.)