SeaComm Federal Credit Union OFFICIAL BLOG

Benefits of Paying Bills with a Credit Card

One way to make sure you never miss monthly payments is to get them automatically paid with your credit card. Here are four advantages of using your credit card to pay for your bills:

Earn rewards: You need to pay your bills; why not earn rewards when you do? Your SeaComm Visa® enables you to earn one point for each $1 you charge on your card with our ScoreCard Rewards Program! You can use your points toward airline and travel services, cash back, or quality merchandise.

Track your spending: Budgeting is easier when your payments are digital and happen within one channel. You will see all of your bill payments on your credit card statement each month, and you can easily track your expenses for bills that fluctuate with use. Having your spending tracked through your SeaComm Visa® helps make budgeting simple! 

Keep your cards active: If you are looking to improve your credit score or to grow your credit file, it is a good idea to have an open and active card. Paying your monthly bills via credit card will help to ensure your card is getting used each month. This can help your score improve within a few months. Your SeaComm Visa® also allows you a minimum of 25 days without a finance charge on new purchases, if you pay the total “new balance” on your monthly statement by the due date!

Protect your purchases: When you pay your bills via credit card, you can keep an eye on your account to ensure all payments are proceeding properly. If you see any errors, such as your card being charged twice for the same payment or being charged the wrong amount, you can dispute the charges. Paying with your SeaComm Visa® also gives you the advantage of purchase protection in case of fraud, emergency card replacement, and even Free Travel Accident Insurance Coverage. On the flip side, if you pay your bills via paper check or cash, you have zero protection if the money is lost in transit

TIP: As a SeaComm member, you might already be pre-approved for a SeaComm Visa® through LoanEngine™. If you qualify for a pre-approved offer, you will be presented with it through our SeaComm Mobile app or NetTeller™ in the “My Offers” tab, via email, and/or a letter through the mail. You may accept offers immediately by following the prompts, or by calling into our call center at (800) 764-0566. Click here to login to your NetTeller™ to view your current offers! If you don’t have any offers at this time, be sure to check back every 60 days.

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