How To Pay Credit Card Bills Using a Debit Card
13 August, 2024
Synopsis:
You must pay your Credit Card bills on time to maintain a good credit score.
You can choose from different payment methods, including net banking, Debit Cards, and digital cash wallets.
You can link your Debit Cards on PayZapp and pay your Credit Card bills conveniently.
To enjoy revolving credit benefits, you must pay your Credit Card bills on time. Timely bill payments help enhance your credit score and make you appear creditworthy to lenders. Your Credit Card providers allow you to choose from various payment methods, including Debit Cards, net banking, mobile banking and online wallets. What’s more, you can pay Credit Card bill with Debit Cards linked to your favourite online payment app – HDFC Bank’s PayZapp. Here’s all you need to know.
All About Credit Card Payment Through Debit Card
Every month, your Credit Card provider sends you an itemised bill listing all the expenses incurred on your Credit Card. The bill is typically generated on a specific date each month, and your creditor provides you 15-20 days from the bill generation date to pay your bills. Creditors also allow you to choose your preferred payment modes, with Debit Cards being one of the many ways to pay your bills. Depending on your billed amount, you can make the payment using one or more Debit Cards. For instance, if you have received a significantly higher bill, you can distribute the payment across multiple Debit Cards and make the payment in partial instalments spread over different dates before the due date. This way, you can ensure your account balances are not impacted and payments are spaced out.
How to Pay Credit Card Bill Using Debit Card
Here are the steps on how to pay Credit Card Bill with Debit Card:
Visit your Credit Card provider’s website or app.
Choose your Credit Card Bill and click on ‘Proceed to Pay’.
Enter your 16-digit Debit Card number, card expiration rate, and CCV.
Now enter the amount you wish to pay. This could be the partial or total billed amount.
Enter the One-Time Password sent on your registered mobile number (RMN) linked to your Debit Card to complete the payment process.
If you make a partial payment using one Debit Card, you can repeat the same steps and pay the remaining amount using another Debit Card. However, if you wish to avoid the hassle of repeating these steps, you can conveniently pay Credit Card bill with Debit Cards linked to PayZapp.
Getting Started With PayZapp – What You Need to Know
PayZapp is a one-stop digital payment solution that allows you to pay all kinds of bills effortlessly. To start using it, you must first download it on your smartphone and set up your account by linking your HDFC Bank and/or other bank credit and Debit Cards and UPI accounts. Upon completing these steps, you can initiate all kinds of payments, including Credit Card bill payments.
Steps To Follow to Pay Credit Card Bill Using Debit Cards Linked to PayZapp
You can follow these steps on PayZapp to pay Credit Card bill using Debit Card.
Login to PayZapp and click on ‘Bills and Recharges’ to see the extensive menu of billers.
Scroll down to ‘Financial Services’ and click on ‘Credit Card’.
Search and select your creditor’s name from the drop-down menu and enter your Credit Card number.
Give PayZapp a few seconds to fetchyour bill, enter the amount you wish to pay and click on ‘Proceed’.
Apply best offers/promocodes
Choose a PayZapp-linked Debit Card as the payment method and complete the payment.
Your Credit Card bill will be paid. PayZapp saves all your added billers’ information in the Bill Payments section. If you have made a partial payment, you can click on your Credit Card biller in the Bill Payments scetion , choose a second Debit Card as the payment method, and pay the remaining bill. This way, you do not need to enter your Credit Card details again.
Benefits of Linking Debit Cards to PayZapp and Initiating Payments Through This Platform
By linking your Debit Card for payments and paying your bills through PayZapp, you can enjoy various benefits:
PayZapp stores all your frequent billers’ information on the home page.
You can find the bill on PayZapp as soon as it is generated by your service provider.
You can review your Credit Card payment details and check for the transaction status in the under the PayZapp’s Passbook and insights sections. You can enjoy offers and rewards on Credit Card bill payments by choosing applicable promocodes.
You can also use other payment methods including UPI and Debit Cards to pay your Credit Card bills.
Pay Your Credit Card Bills on Time with PayZapp
Paying your Credit Card bills on time is incredibly important, especially if you wish to avail additional credit facilities like loans in future. PayZapp helps you ensure you never miss a payment and allows you to choose from different payment methods, including multiple Debit Cards, the PayZapp cash wallet and your preferred UPI Accounts. It streamlines all your payments on a single platform.
Click here for upi payment through PayZapp on your IOS phone.
Click here to pay online through PayZapp on your Android phone.
Download PayZapp Today to Manage your Credit Card Bill Payments Efficiently.
*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.
