I'm not sure if this has been addressed before, but if someone was considering making an extra payment toward the principal on their mortgage, could making this payment via credit card (using chargesmart) be a decent way to meet minimum spending requirements?

I'm not familiar with chargesmart, and I know that they charge a fee for such transactions, but just wondering if that fee might be worth it for someone struggling to meet the minimum spending requirements for a CC bonus. I suppose this could be done for a regular mortgage payment as well, but for someone considering prepaying anyway, the chargesmart fees could be partially offset by the reduction in interest paid on the mortgage due to paying down principal amount. Obviously, this could be done with no fees by prepaying via check, but just a thought related to someone trying to meet spending requirements.

Pros/cons to this idea? Anyone done this?