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let's focus on using credit/debt card to pay property tax.

let's focus on using credit/debt card to pay property tax.

Old Sep 5, 12, 7:13 am
  #1  
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let's focus on using credit/debt card to pay property tax.

The thread about tax most discussed federal tax, few about property tax. Since different county have different rule. My county charge 2.35% for credit card payment and there is no debit card option. Is there any other creative way to pay property tax? I am thinking about Chase ink bold/ink plus related reloadable card. But still no solution. Any creative idea?
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Old Sep 5, 12, 7:27 am
  #2  
mia
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Originally Posted by kunk00 View Post
... different county have different rule....
This makes paying property taxes the same as any other transaction with a convenience fee. It's really no different than the ideas discussed in this thread:

http://www.flyertalk.com/forum/miles...n-payment.html
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Old Sep 5, 12, 7:51 am
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You might contact the local taxing authorities and see if they can find a payment partner that accepts debit cards, with a lower convenience fee.


I forget which, but I think there is a Federal tax payment processor with a convenience fee in the (normal) 2% range, but a debit fee of $3.49 per transaction.

Not everyone in the country treasurer's office has a Ph.D. in payment systems they way we FT'ers do. (BTW, I'm still waiting for your thesis proposal!)
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Old Sep 5, 12, 7:52 am
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I paid my property taxes with a credit card and spent just under 2% for a fee. The only reason I did it was to hit a spend requirement.
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Old Sep 5, 12, 8:04 am
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mia
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Originally Posted by redtop43 View Post
...there is a Federal tax payment processor with a convenience fee in the (normal) 2% range, but a debit fee of $3.49 per transaction.
Correct, but they -only- process Federal Income Tax payments. There is no possibility of paying any state or local tax through them:

The least expensive Federal income tax site (1.89%) is here:

https://www.payusatax.com/default.aspx

The least expensive Federal income tax site which accepts American Express (2.29%) is here:

https://www.valuetaxpayment.com/default.aspx

If you want to pay other types of taxes you will likely need to use this one (2.35%):

https://www.officialpayments.com/index.jsp

Primary discussion threads are in MilesBuzz!:

http://www.flyertalk.com/forum/miles...-taxes-cc.html

http://www.flyertalk.com/forum/miles...satax-com.html

Originally Posted by dontippet View Post
I paid my property taxes with a credit card and spent just under 2% for a fee.
It would be helpful if you mentioned where you made this payment (to which tax authority.)
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Old Sep 5, 12, 10:29 am
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In the good ol' days we just coined 'em with brass dollars.

Originally Posted by kunk00 View Post
The thread about tax most discussed federal tax, few about property tax. Since different county have different rule. My county charge 2.35% for credit card payment and there is no debit card option. Is there any other creative way to pay property tax? I am thinking about Chase ink bold/ink plus related reloadable card. But still no solution. Any creative idea?
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Old Sep 5, 12, 10:57 am
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yeah

Originally Posted by AlohaDaveKennedy View Post
In the good ol' days we just coined 'em with brass dollars.
Yeah, I loved hauling in coins and watching their faces...legal US tender baby, suck it up taxman and start counting.
They billed my property tax in 2 installments, so 1 month after paying the first chunk I came back with more coins.....LOL they were better prepared the second go round and didnt cry half as much...sortta took the fun out of it.
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Old Sep 5, 12, 2:45 pm
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marukai 3% cc

Some ideas ...

1. Some people in specific geo regions -- CA, OR, WA, NV, HI -- may benefit from this card:
http://www.jcbusa.com/card_marukaica_prem.html

Tiered CB system but up to 3%. Requires county tax assessor to accept Discover and there is an annual fee.
There is a discussion on FW about it.

2. Use AMX Blue Cash with 6% CB (or similar 5% cards) to buy prepaid AMEX or Visa cards at the grocery store. Even with the activation fee, it's easy to cover the spread. This is the traditional method favored by many on FW but would require being able to break up the property tax payments into chunks, amalgamate the prepaid cards or buy one very high dollar prepaid card. Similar strategies could be used with other 5% cards to buy pp cards at various merchants (office, home improvement, etc).

3. Use 0% APR for 12+ months on purchase promo offers + interest float + reward checking to cover the convenience fee. Of course, this strategy has to timed properly and many consider RCA's to be a hassle.

4. Find a juicy limited-time promo offer like the Chase AARP or Citi Cash Returns 5% CB on all purchases. Maybe such things still exist but are under the radar.

5. I guess some might consider airline miles worth more than the convenience fees. Personally, I do not.

Last edited by moo-moo; Sep 5, 12 at 2:51 pm
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Old Sep 5, 12, 3:03 pm
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My local taxing authorities charge a flat fee of $3.95 for using Visa debit card. Is there anyway to buy high balance Visa debit card since we have to pay the full amount (4K+)
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Old Sep 5, 12, 3:16 pm
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mia
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Originally Posted by cruise603 View Post
... buy high balance Visa debit card since we have to pay the full amount (4K+)
Poster in this thread mentioned finding such, but did not reveal the source nor confirm that it actually worked as hoped:

http://www.flyertalk.com/forum/ameri...cept-amex.html
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Old Sep 5, 12, 8:02 pm
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Originally Posted by mia View Post
This makes paying property taxes the same as any other transaction with a convenience fee. It's really no different than the ideas discussed in this thread:

http://www.flyertalk.com/forum/miles...n-payment.html
+1
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Old Sep 5, 12, 9:12 pm
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Originally Posted by mia View Post
Poster in this thread mentioned finding such, but did not reveal the source nor confirm that it actually worked as hoped:

http://www.flyertalk.com/forum/ameri...cept-amex.html
so is there any Visa debit card that can still earn points ?
thanks.
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Old Sep 18, 14, 12:07 pm
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Any workarounds when your jurisdiction uses a high-fee service?

I have both a Suntrust Delta debit card and a $3500 local property tax bill. My county has "partnered" with "Paymentus" for online bill pay and they charge 2.5% -- credit or debit card. Obviously, there are services that my county could have used that might charge only a flat $4 for a debit card transaction, which would be great for me. But they didn't.

Is there any other service I could use that would charge me a low, flat rate fee on a debit card and pay a "random" local tax agency?

Thanks.
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Old Sep 18, 14, 3:22 pm
  #14  
mia
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Primary thread discussing this topic is now in Credit Card Programs forum:

http://www.flyertalk.com/forum/credi...s-cr-card.html
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