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How to pay credit card bill discover


how to pay credit card bill discover

Student Financial Solutions offers a credit card payment method. Students and authorized payers have the ability to pay fees using personal credit cards. You can pay with credit cards including: American Airlines Credit CardSM; American Express; Diners Club. Discover*; JCB**; Mastercard. Ever been stressed out about making your credit card payments? Thankfully, Discover cardholders have an option to set up automatic bill payments through the.
how to pay credit card bill discover

How to pay credit card bill discover -

Choose how to make your payment

You can pay your energy statement using any of the following convenient methods.

Set up recurring payments and never worry about missing a payment again.


When you sign up for recurring payments, your bills are automatically paid from your credit card, debit card or your bank account. You can choose when you want your bill to be paid, set a date when you want to stop recurring payments and even set a maximum payment amount. You have the following payment options:


Discover, Mastercard,Visa, and Debit cards


  • Visa, MasterCard, Discover or Amercian Express credit or debit card. Card payments require a $1 or $1.35 convenience fee.*
  • Bank account. Payments from a checking or savings account do not require any service fees.


Set up recurring payments in your PG&E online account.


Sign in now

Have questions?

Find out how to set up recurring payments
Learn how to update your payment information



*Why do I have to pay a convenience fee?


PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience fee is charged by an independent payment provider. California Assembly Bill 746 (AB 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.


Don't want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

You can pay online as a registered user—or as a one-time user with no registration required.

Pay as a registered user

Registered users have the following payment options:

  • Pay from a bank account, which is free of any service fees.
  • Pay with a credit or debit card, which requires a $1.35 convenience fee.*

Sign in as a registered user. Visit Your Account.

Pay with no registration required

Don't have an online account set up? You can pay online without registering your account, using One Time Access. Whether you use a bank account or a credit or debit card, a $1.35 convenience fee applies.*

Discover, Mastercard,Visa, and Debit cards

*Why do I have to pay a convenience fee?
PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience fee is charged by an independent payment provider. California Assembly Bill 746 (AB 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.

Don’t want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

To pay your energy statement by phone, call 1-877-704-8470, and have your 11-digit account number ready.



Whether you use a bank account or a credit or debit card, a $1.35 convenience fee applies.*


Discover, Mastercard,Visa, and Debit cards

*Why do I have to pay a convenience fee?
PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience fee is charged by an independent payment provider. California Assembly Bill 746 (AB 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.

Don’t want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

Pay by mail

To pay by mail, make your check payable to PG&E and send it, along with your energy statement remittance stub, to the following address:

PG&E
P.O. Box 997300
Sacramento, CA 95899-7300

Pay in person

You can pay your energy statement in person at one of our many authorized payment centers.

Find a nearby location. Visit Locate a Payment Center.


NOTE: Per Internal Revenue Code 6050I, valid identification may be required for payment transactions at a PG&E payment center. Code 6050I also requires PG&E to file Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business) when single or aggregate cash payments in excess of $10,000 from one or more payors are made on an account.

Helping Others


Want to help pay the energy bill of a friend, neighbor, college student, or local business financially affected by COVID-19? You can make a payment of any amount using our Energy Giving form. Your payment will be applied to their account to reduce any balance and reflected on their next month's bill. For security reasons, we cannot share any of your recipient’s account or balance information.


The process is simple.


  1. Download & print the Energy Giving form (PDF, 524 KB)
  2. Return your completed form and payment
  3. Once processed, the recipient will receive an email or letter confirming their gift

Pay by mail


PG&E
Attention: Energy Giving Payment
P.O. Box 997300
Sacramento, CA 95899-7300


Do not mail cash. Make check payable to PG&E and indicate "Energy Giving Payment" in the memo line.


Pay in person


Due to COVID-19 our PG&E offices are temporarily closed. At this time, we are unable to process any gift payment form in person. Please purchase by mail.

Источник: https://www.pge.com/en_US/residential/your-account/your-bill/ways-to-pay/ways-to-pay.page

Automatic Bill Pay

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/faqs/merchant-payments.html

Payment methods

  • Article
  • 2 minutes to read

Important

Microsoft Store for Business and Microsoft Store for Education will be retired in the first quarter of 2023. You can continue to use the current capabilities of free apps until that time. For more information about this change, see Evolving the Microsoft Store for Business and Education.

You can purchase products and services from Microsoft Store for Business using your credit card. You can enter your credit card information on Payment methods, or when you purchase an app. We currently accept these credit cards:

  • VISA
  • MasterCard
  • Discover
  • American Express
  • Japan Commercial Bureau (JCB)

Note

Not all cards available in all countries. When you add a payment option, Microsoft Store for Business shows which cards are available in your region.

Add a payment method

To add a new payment option

  1. Sign in to Microsoft Store for Business or Store for Education.
  2. Select Manage, select Billing & payments, and then select Payments methods.
  3. Select Add a payment options, and then select the type of credit card that you want to add.
  4. Add information to required fields, and then select Add.

Once you select Add, the information you provided will be validated with a test authorization transaction and, if validated, the payment option will be added to your list of available payment options. Otherwise, you will be prompted for additional information or notified if there are any issues.

Note

When adding credit or debit cards, you may be prompted to enter a CVV. The CVV is only used for verification purposes and is not stored in our systems after validation.

Edit payment method

To update a payment option

  1. Sign in to Microsoft Store for Business or Store for Education.
  2. Click Manage, click Billing & payments, and then click Payments methods.
  3. Select the payment option that you want to update, select the ellipses, and then choose Edit payment method.
  4. Enter any updated information in the appropriate fields, and then se;ectSave.

Once you click Update, the information you provided will be validated with a test authorization transaction and, if validated, the payment option will be added to your list of available payment options. Otherwise, you will be prompted for additional information or notified if there are any problems.

Note

Certain actions, like updating or adding a payment option, require temporary “test authorization” transactions to validate the payment option. These may appear on your statement as $0.00 authorizations or as small pending transactions. These transactions are temporary and should not impact your account unless you make several changes in a short period of time, or have a low balance.

Источник: https://docs.microsoft.com/en-us/microsoft-store/payment-methods

What is the Best Way to Pay Your Credit Card Bill?

Credit card payments are due on the same day every month. Your credit score, as well as your overall budget health, can take a negative hit if you miss a payment, or pay late, as late fees and penalty interest rates may come your way.

Today, many online tools can help ensure cardholders don’t miss any payments in their Discover billing cycle (and other cards too). At the same time, cardholders may want to consider how much to pay beyond the minimum when submitting their monthly payment. It helps to know everything you can about how credit cards work, including the following:

1. Handle Your Credit Card Payments

Consider these tips for ensuring your monthly payments keep the good credit going.

Take Advantage of Free Alerts. With Discover, you can sign up for alerts such as payment posted, statement available and minimum payment due. You can also set up alerts or reminders to track your spending, help you to protect your account and even to be reminded about rewards and offers.

Pay Electronically. Paying your credit card bill online forgoes the stamp and envelope, and posts the payment faster. Many card issuers offer automatic payments via your bank account each month, so you don’t have to fear you will forget a payment.

Pay on the Same Day Every Month. According to the CARD Act of 2009, credit card bills must be due on the same date each month, so at least these dates will be predictable. Plan on paying your card on the same day each month to avoid possibly missing a payment. If you pay late, you may be incurring costly late fees. And of course, your credit score could be impacted by late payments. But if this does happen accidentally, you may be able to contact your card issuer and ask to have any late charges waived as a courtesy.

Pay More Than the Minimum. A good way to manage your credit card accounts is to avoid interest charges on purchases by paying each month’s statement balance in full and on time. If you get in this habit and pay on time every month, you should not have to worry about late fees. But if you have to carry a balance occasionally, how much you pay will be very important. When you can’t pay your balance in full, paying as much as possible will minimize the interest charges applied to your account. At the very least, pay the “minimum amount due”. If you pay below that, you’ll still be responsible for late fees and might still have to deal with a penalty interest rate. With these concepts and suggestions applied to your credit card payments, such as your Discover billing cycle and payment due dates, you should be well on your way to using credit wisely.

2. Paying Everything Off

Credit cards allow holders to spend money now and pay it off later. For some spenders, this means carrying a balance from month to month and usually paying interest. There are several instances, though, when you may want to consider paying off your card in full.

If the APR is High. Carrying a balance on a credit card almost always means accruing interest. Accrued interest is added to your balance — along with any other new expenses and fees — which, in turn, increases the amount of interest that’s added the following month. Paying off your balance in full and on time each month is the only true way to avoid paying interest on purchases and save money.

That said, you could also transfer your balance to a credit card offering 0% intro APR on balance transfers. Transferring a balance to a card that offers 0% intro APR for a certain period can temporarily delay the accrual of interest, but you’ll still have to pay up eventually. In addition, you may lose your grace period on new purchases. That means you’ll accrue interest on your purchases even if you attempt to pay off those purchases each month. The first option, paying off your balance in full, eliminates the balance on which interest accrues. No balance, no interest.

If Interest is Starting. If you’ve been using a credit card with a promotional APR that’s about to end, you may want to consider paying off the balance in full.

It’s easy to spend aimlessly on a promotional 0 percent APR card, forgetting that it will eventually start charging interest. Carelessness can convert to interest accrual. You can avoid this problem by reminding yourself when the card will start charging interest.

Setting a calendar reminder — right when you receive the card — for a few weeks before the interest-free period ends might give your future self a head’s up to address the balance.

A Mortgage or Loan Application. When applying for a large line of credit like a mortgage or car loan, lenders will check your credit as part of the approval process. One important number they focus on is your credit utilization ratio, which is calculated by dividing your credit in use by the amount of credit you have available. This figure is meant to assess your ability to pay new debt. If your credit utilization ratio is high, meaning you use a lot of your available credit, you may be viewed as a risky borrower by a lender because you have so much outstanding debt.

While there is no specific standard for where your credit utilization ratio should be, experts recommend keeping it low. If you’re in a situation where your ratio will be scrutinized, try to keep it as low as possible.

Originally published August 31, 2015

Updated June 22, 2021

 

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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Источник: https://www.discover.com/credit-cards/resources/how-to-handle-credit-card-payments-like-a-boss/

Pay With a Credit Card

You may pay your filing fee and biometric services fee, if applicable, with a credit card issued by a U.S. bank, if you are filing:

  • An application, petition, or request with a USCIS lockbox;
  • Form I-485, Application to Register Permanent Residence or Adjust Status, for U nonimmigrants, with the Nebraska Service Center;
  • Form I-140, Immigrant Petition for Alien Workers, with Form I-907, Request for Premium Processing Service, or when filing Form I-907 to upgrade a pending Form I-140 to premium processing with the Nebraska Service Center or Texas Service Center; or
  • Form I-129, Petition for a Nonimmigrant Worker, for O and P nonimmigrants with the Vermont Service Center or California Service Center.

There is no additional cost to file by credit card. We cannot accept a credit card issued by a foreign bank. Not all service centers are able to process credit card payments.

Acceptable Credit Cards

You may use Visa, MasterCard, American Express, and Discover. Make sure the card has enough money to cover the fee. We will reject your application, petition, or request if the card is declined, and we will not attempt to process your credit card payment a second time.

How to Pay With a Credit Card

If we accept your filing, we will:

  • Charge your credit card for the proper amount; and
  • Destroy your Form G-1450 to protect your credit card information. (We will destroy it even if we reject your filing and do not process your payment.)

You will see a charge from USCIS on your credit card statement.

For general filing information, see our Form Filing Tips page.

Multiple/Combined Applications

You must pay each filing fee separately for each application, petition, or request you submit.

If you are paying by credit card, submit one Form G-1450 with each application, petition, or request that you submit. You may pay both the filing fee and biometric services fee with one Form G-1450.

We will reject your entire package if you submit:

  • One Form G-1450 for multiple applications, petitions, or requests;
  • A check and credit card authorization to split the payment for the same application, petition, or request; or
  • A mix of money orders, checks, and credit card authorizations together for multiple applications, petitions, or requests

Here are examples of how to properly submit payments:

If you submit...And wish to pay with...Then you must
One application, petition, or requestOne credit cardPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestVisa, MasterCard, American Express, or Discover gift cards or prepaid cardsPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestTwo credit or gift cards (split payment)

Complete two Form G-1450s, one for each card, and specify the amount you wish to pay with each card.

Note: Make sure the amounts on the two Form G-1450s add up to the correct total, as we will reject a filing with an incorrect payment. Please complete one Form G-1450 for each card and ensure the total amount of the filing fee is correct between the two forms. (For example: You could pay a $400 filing fee with two $200 payments on each card.)

Three applications, petitions, or requestOne credit cardSubmit three Form G-1450s, one for each application, petition, or request.
Five applications, petitions, or requests
  • One credit card for two of the forms
  • A check for the other three forms

Submit two separate packages --

  • First package: two applications, petitions, or requests and two Form G-1450s.
  • Second package: three applications, petitions, or requests and three separate checks.

Security

We use the U.S. Department of the Treasury’s Pay.gov Trusted Collections Service (TCS) to process your credit card payment. TCS is a web-based application that allows government agencies to process debit or credit card payments. You cannot pay the fee directly to Pay.gov.

The Department of the Treasury ensures that Pay.gov is Payment Card Industry Data Security Standard (PCI DSS) compliant. PCI DSS is a set of requirements designed to ensure all companies processing, storing, or transmitting credit card information maintain a secure environment.

We will destroy your Form G-1450 after processing it, regardless of whether we accept or reject your application, petition, or request.

Third-Party Payments

Anyone authorized to use a credit card may pay for your application, petition, or request. The cardholder must complete Form G-1450, sign it, and give it to you to submit with your filing.

Declined Credit Cards

If a credit card is declined, we will not attempt to process the credit card payment again. We will reject your application, petition, or request for lack of payment.

Rejection Notices

If we reject your filing, we will send you a notice explaining why we rejected it.

If you file a corrected application, petition, or request, and wish to pay again by credit card, you will need to include a new Form G-1450.

Avoid Immigration Scams

Learn how to protect yourself from common immigration services scams, and where to report suspected fraud, at Avoid Scams.

And remember, the current versions of all USCIS forms are always available for free at uscis.gov/forms.

Источник: https://www.uscis.gov/forms/filing-fees/pay-with-a-credit-card

Payment methods

  • How to pay credit card bill discover minutes to read

Important

Microsoft Store for Business and Microsoft Store for Education will be retired in the first quarter of 2023. You can continue to use the current capabilities of free apps until that time. For more information about this change, see Evolving the Microsoft Store for Business and Education.

You can purchase products and services from Microsoft Store for Business using your credit card. You can enter your credit card information on Payment methods, or when you purchase an app. We currently accept these credit cards:

  • VISA
  • MasterCard
  • Discover
  • American Express
  • Japan Commercial Bureau (JCB)

Note

Not all cards available in all countries. When you thank you letter for face to face interview a payment option, Microsoft Store for Business shows which cards are available in your region.

Add a payment method

To add a new payment option

  1. Sign in to Microsoft Store for Business or Store for Education.
  2. Select Manage, select Billing & payments, and then select Payments methods.
  3. Select Add a payment options, and then select the type of credit card that you want to add.
  4. Add information to required fields, and then select Add.

Once you select Add, the information you provided will be validated with a test authorization transaction and, if validated, the payment option will be added to your list of available payment options. Otherwise, you will be prompted for additional information or notified if there are any issues.

Note

When adding credit or debit cards, you may be prompted to enter a CVV. The CVV is only used for verification purposes and is not stored in our systems after validation.

Edit payment method

To update a payment option

  1. Sign in to Microsoft Store for Business or Store for Education.
  2. Click Manage, click Billing & payments, and then click Payments methods.
  3. Select the payment option that you want to update, select the ellipses, and then choose Edit payment method.
  4. Enter any updated how to pay credit card bill discover in the appropriate fields, and then se;ectSave.

Once you click Update, the information you provided will be validated with a test authorization transaction and, if validated, the payment option will be added to your list of available payment options. Otherwise, you will be prompted for additional information or notified if there are any problems.

Note

Certain actions, like updating or adding a payment option, require temporary “test authorization” transactions to validate the payment option. These may appear on your statement as $0.00 authorizations or as small pending transactions. These transactions are temporary and should not impact your account unless you make several changes in a short period of time, or have a low balance.

Источник: https://docs.microsoft.com/en-us/microsoft-store/payment-methods

What is the Best Way to Pay Your Credit Card Bill?

Credit card payments are due on the same day every month. Your credit score, as well as your overall budget health, can take a negative hit if you miss a payment, or pay late, as late fees and penalty interest rates may come your way.

Today, many online tools can help ensure cardholders don’t miss any payments in their Discover billing cycle (and other cards too). At the same time, cardholders may want to consider how much citizens bank 2 savings account pay beyond the minimum when submitting their monthly payment. It helps to know everything you can about how credit cards work, including the following:

1. Handle Your Credit Card Payments

Consider these tips for ensuring your monthly payments keep the good credit going.

Take Advantage of Free Alerts. With Discover, you can sign up for alerts such as payment posted, statement available and minimum payment due. You can also set up alerts or reminders to track your spending, help you to protect your account and even to be reminded about rewards and offers.

Pay Electronically. Paying your credit card bill online forgoes the stamp and envelope, and posts the payment faster. Many card issuers offer automatic payments via your bank account each month, so you don’t have to fear you will forget a payment.

Pay on the Same Day Every Month. According to the CARD Act of 2009, credit card bills must be due on the same date each month, so at least these dates will be predictable. Plan on paying your card on the same day each month to avoid possibly missing a payment. How to pay credit card bill discover you pay late, you may be incurring costly late fees. And of course, your credit score could be impacted by late payments. But if this does happen accidentally, you may be able to contact your card issuer and ask to have any late charges waived as a courtesy.

Pay More Than the Minimum. A good way to manage your credit card accounts is to avoid interest charges on purchases by paying each month’s statement balance in full and on time. If you get in this habit and pay on time every month, you should not have to worry about late fees. But if you have to carry a balance occasionally, how much you pay will be very important. When you can’t pay your balance in full, paying as much as possible will minimize the interest charges applied to your account. At the very least, pay the “minimum amount due”. If you pay below that, you’ll still be responsible for late fees and might still have to deal with a penalty interest rate. With these concepts and suggestions applied to your credit card payments, such as your Discover billing cycle and payment due dates, you should be well on your way to using credit wisely.

2. Paying Everything Off

Credit cards allow holders to spend money now and pay it off later. For some spenders, this means carrying a balance from month to month and usually paying interest. There are several instances, though, when you may want to consider paying off your card in full.

If the APR is High. Carrying a balance on a credit card almost always means accruing interest. Accrued interest is added to your balance — along with any other new expenses and fees — which, in turn, increases the amount of interest that’s added the following month. Paying off your balance in full and on time each month is the only true way to avoid paying interest on purchases and save money.

That said, you could also transfer your balance to a credit card offering 0% intro APR on balance transfers. Transferring a balance to a card that offers 0% intro APR for a certain period can temporarily delay the accrual of interest, but you’ll still have to pay up eventually. In addition, you may lose your grace period on new purchases. That means you’ll accrue interest on your purchases even if you attempt to pay off those purchases each month. The first option, paying off your balance in full, eliminates the balance on which interest accrues. No balance, no interest.

If Interest is Starting. If you’ve been using a credit card with a promotional APR that’s about to end, you may want to consider paying off the balance in full.

It’s easy to spend aimlessly on a promotional 0 percent APR card, forgetting that it will eventually start charging interest. Carelessness mountain one bank locations convert to interest accrual. You can avoid this problem by reminding yourself when the card will start charging interest.

Setting a calendar reminder — right when you receive the card — for a few weeks before the interest-free period ends might give your future self a head’s up to address the balance.

A Mortgage or Loan Application. When applying for a large line of credit like a mortgage or car loan, lenders will check your credit as part of the approval process. One important number they focus on is your credit utilization ratio, which is calculated by dividing your credit in use by the amount of credit you have available. This figure is meant to assess your ability to pay new debt. If your credit utilization ratio is high, meaning you use a lot of your available credit, you may be viewed as a risky borrower by a lender because you have so much outstanding debt.

While there is no specific standard for where your credit utilization ratio should be, experts recommend keeping it low. If you’re in a situation where your ratio will be scrutinized, try to keep it as low as possible.

Originally published August 31, 2015

Updated June 22, 2021

 

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

Share This

Opens in a new window

Источник: https://www.discover.com/credit-cards/resources/how-to-handle-credit-card-payments-like-a-boss/

Choose how to make your payment

You can pay your energy statement using any of the following convenient methods.

Set up recurring payments and never worry about missing a payment again.


When you sign up for recurring payments, your bills are automatically paid from your credit card, debit card or your bank account. You can choose when you want your bill to be paid, set a date when you want to stop recurring payments and even set a maximum payment amount. You have the following payment options:


Discover, Mastercard,Visa, and Debit cards


  • Visa, MasterCard, Discover or Amercian Express credit or debit card. Card payments require a $1 or $1.35 convenience fee.*
  • Bank account. Payments from a checking or savings account do not require any service fees.


Set up recurring payments in your PG&E online account.


Sign in now

Have questions?

Find out how to set up how to pay credit card bill discover payments
Learn how to update your payment information



*Why do I have to pay a convenience fee?


PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience fee is charged by an independent payment provider. California Assembly Bill 746 (AB 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.


Don't want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

You can pay online as a registered user—or as a one-time user with no registration required.

Pay as a registered user

Registered users have the following payment options:

  • Pay from a bank account, which is free of any service fees.
  • Pay with a credit or debit card, which requires a $1.35 convenience fee.*

Sign in as a registered user. Visit Your Account.

Pay with no registration required

Don't have an online account set up? You can pay online without registering your account, using One Time Access. Whether you use a bank account or a credit or debit card, a $1.35 convenience fee applies.*

Discover, Mastercard,Visa, and Debit cards

*Why do I have to pay a convenience fee?
PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience how to pay credit card bill discover is charged by an independent payment provider. California Assembly Bill 746 city bank lubbock texas phone number 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.

Don’t want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

To pay your energy statement by phone, call 1-877-704-8470, and have your 11-digit account number ready.



Whether you use a bank account or a credit or debit card, a $1.35 convenience fee applies.*


Discover, Mastercard,Visa, and Debit cards

*Why do I have to pay a convenience fee?
PG&E has partnered with an independent payment provider to provide you with the option of using your credit card or electronic check to make payments. The convenience fee is charged by an independent payment provider. California Assembly Bill 746 (AB 746, enacted in 2005) does not allow energy companies, including PG&E, to pass on these costs to all customers. Only customers who choose to use this service will be charged the convenience fee.

Don’t want to pay a convenience fee? Sign in to Your Account with your username and password and make a one-time payment or schedule recurring payments from your checking or savings account for free!

Pay by mail

To pay by mail, make your check payable to PG&E and send it, along with your energy statement remittance stub, to the following address:

PG&E
P.O. Box 997300
Sacramento, CA 95899-7300

Pay in person

You can pay your energy statement in person at one of our many authorized how to pay credit card bill discover centers.

Find a nearby location. Visit Locate a Payment Center.


NOTE: Per Internal Revenue Code 6050I, valid identification may be required for payment transactions at a PG&E payment center. Code 6050I also requires PG&E to file Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business) when single or aggregate cash payments in excess of $10,000 from one or more payors are made on an account.

Helping Others


Want to help pay the energy bill of a friend, neighbor, college student, or local business financially affected by COVID-19? You can make a payment of any amount using our Energy Giving form. Your payment will be applied to their account to reduce any balance and reflected on their next month's bill. For security reasons, we cannot share any of your recipient’s account or balance information.


The process is simple.


  1. Download & print the Energy Giving form (PDF, 524 KB)
  2. Return your completed form and payment
  3. Once processed, the recipient will receive an email or letter confirming their gift

Pay by how to pay credit card bill discover Attention: Energy Giving Payment
P.O. Box 997300
Sacramento, CA 95899-7300


Do not mail cash. Make check payable to PG&E and indicate "Energy Giving Payment" in the memo line.


Pay in person


Due to COVID-19 our PG&E offices are temporarily closed. At this time, we are unable to process any gift payment form in person. Please purchase by mail.

Источник: https://www.pge.com/en_US/residential/your-account/your-bill/ways-to-pay/ways-to-pay.page

How to set up automatic credit card payments

Setting up automatic payments for your credit card balances can help you avoid late payments, which can help you build your credit score. Let's look at how to set up automatic payments, what amount you may want set it to, and how to use an automatic payment strategy to build and sustain a strong credit foundation.

Three ways to set up automatic payments

Credit card companies make it simple to set up an automatic payment method, so pick the way that works for you.

Online

Checking in with your account online should allow you to easily search and find "automatic payments" options. Try finding an option to pay your bills then look for mentions of "automatic payments" or find a chatbot to answer the question. You will likely need to provide your bank account information to tie to the payment and agree on a date that matches your current payment schedule to complete the process.

In App

Many credit card apps include opt-ins for automatic payments. If you already have the app, search for "bill payments" options to find the screen that can enroll you in an automated program.

By phone

Find the credit card's customer service number on the back of the card and dial in. If you hit automated reception, mention "automatic payments" to connect you to a representative that will walk you through the enrollment.

How much to commit to an automatic credit card payment

There are various payment strategies for setting up automatic payments:

Minimum payment

If you usually pay the monthly minimum on your credit card, you can select this option to help ensure that you don't miss a payment. Be aware, however, that if you spend on the card, your minimum how to pay credit card bill discover payment can increase.

Set amount

If you are looking to reduce a credit card balance, setting a specific amount above the monthly minimum payment can help reduce your overall balance.

Full balance

Paying off your entire credit card balance each month is another strategy that can help reduce your debt and improve your credit score. By paying off your card's full balance each month, you can also avoid interest charges and late fees that may come into play when maintaining a high balance. When setting up automatic payments to cover the full balance of your account, make sure that you are setting payments with a bank account that can cover the balance.

What to check after you set up your automatic payments

You've logged in or called in your automatic payment and set the amount of your payment: but don't think your job is finished.

Are the payment dates right?

Your original credit card payment dates may simply be the date of the month you initially opened the credit account. Now that you are working to simplify your payments through automation, consider moving your payment dates to align with your paycheck or other bills. If your bill is due at the start of the month along with your rent and other bills, moving the credit card bill to mid-month may provide you with a bit of breathing room. You should be able to adjust your payment date through an online request or a call to customer service.

Set up payment alerts and monthly balance checks

Is your bank account able to handle the automatic payments you set up? Are you contributing enough of your budget to reduce your credit debt? Are all the charges on your cards legitimate? Setting up a monthly review of your bills and payments ensures that you catch fraud if it exists, manage expenses as they arise, and refine your payment strategy to meet your evolving credit needs.

Opting in for payment alerts is another way to monitor your expenses and your payments to keep you on track through automation.

How setting automatic payments can improve your credit score

The two major credit score models (VantageScore® and FICO®) may consider on-time payments as factors when calculating your credit score. By setting up automatic payments, you are ensuring that your bills are paid on-time each month.

If your automatic payment covers more than the minimum or the full balance, then you drive down your how to pay credit card bill discover utilization ratio, which divides the total amount of your credit limits by the total balances you owe on your cards. A smaller credit utilization ratio may build a higher credit score, so using your automatic payments to reduce your debt can also drive credit score improvement.

What are the risks of setting automatic payments?

The main risk to automatic credit card payments is the possibility of overdrafting your bank account, which means you could miss your scheduled automatic payment. If you haven't used automatic payments in the past, you've likely checked your bank account before making a credit card payment to make sure you have enough funds to cover the payment. If you implement automatic payments, continue to make it a habit to check your bank account funds so you can avoid any overdraft fees or missed payments.

Источник: https://www.chase.com/personal/credit-cards/education/basics/how-to-set-up-automatic-payments-with-a-credit-card

Student Financial Services

The university accepts both credit and debit card payments online through Education Computer Systems, Incorporated (ECSI). Payments made through the ECSI website are subject to a non-refundable convenience fee.

Payments will appear on your credit card and bank statements with a description of “ECSI, LLP” or “ECSI”. Convenience fees may be reflected as a separate line depending on your card type.

For students making a debit card payment from a U.S. checking or savings account, CMU suggests enrolling in Online Banking through Student Information Online (SIO) to make payments instead. Online Banking provides similar functionality to a debit card payment, but free of charge.

Convenience Fees

Credit card payments made through ECSI are subject to a non-refundable convenience fee equal to 2.52%, while debit card payments are subject to a non-refundable convenience fee equal to 0.50%. All convenience fees are charged by and paid directly to ECSI during the payment process.

Denied Payments

If your payment is denied, contact ECSI or your credit card company to determine the reason for the failure.

Источник: https://www.cmu.edu/sfs/billing/payments/credit-debit/index.html

Pay With a Credit Card

You may pay your filing fee and biometric services fee, if applicable, with a credit card issued by a U.S. bank, if you are filing:

  • An application, petition, or request with a USCIS lockbox;
  • Form I-485, Application to Register Permanent Residence or Adjust Status, for U nonimmigrants, with the Nebraska Service Center;
  • Form I-140, Immigrant Petition for Alien Workers, with Form I-907, Request for Premium Processing Service, or when filing Form I-907 to upgrade a pending Form I-140 to premium processing with the Nebraska Service Center or Texas Service Center; or
  • Form I-129, Petition for a Nonimmigrant Worker, for O and P nonimmigrants with the Vermont Service Center or California Service Center.

There is no additional cost to file by credit card. We cannot accept a credit card issued by a foreign bank. Not all service centers are able to process credit card payments.

Acceptable Credit Cards

You may use Visa, MasterCard, American Express, and Discover. Make sure the card has enough money to cover the fee. We will reject your application, petition, or request if the card is declined, and we will not attempt to process your credit card payment a second time.

How to Pay With a Credit Card

If we accept your filing, we will:

  • Charge your credit card for the proper amount; and
  • Destroy your Form G-1450 to protect your credit card information. (We will destroy it even if we reject your filing and do not process your payment.)

You will see a charge from USCIS on your credit card statement.

For general filing information, see our Form Filing Tips page.

Multiple/Combined Applications

You must pay each filing fee separately for each application, petition, or request you submit.

If you are paying by credit card, submit one Form G-1450 with each application, petition, or request that you submit. You may pay both the filing fee and biometric services fee with one Form G-1450.

We will reject your entire package if you submit:

  • One Form G-1450 for multiple applications, petitions, or requests;
  • A check and credit card authorization to split the payment for the same application, petition, or request; or
  • A mix of money orders, checks, and credit card authorizations together for multiple applications, petitions, or requests

Here are examples of how to properly submit payments:

If you submit.And wish to pay with.Then you must
One application, petition, or requestOne credit cardPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestVisa, MasterCard, American Express, or Discover gift cards or prepaid cardsPay the entire fee for that application, petition, or request using one Form G-1450.
One application, petition, or requestTwo credit or gift cards (split payment)

Complete two Form G-1450s, one for each card, and specify the amount you wish to pay with each card.

Note: Make sure the amounts on the two Form G-1450s add up to the correct total, as we will reject a filing with an incorrect payment. Please complete one Form G-1450 for each card and ensure the total amount of the filing fee is correct between the two forms. (For example: You could pay a $400 filing fee with two $200 payments on each card.)

Three applications, petitions, or requestOne credit cardSubmit three Form G-1450s, one for each application, petition, or request.
Five applications, petitions, or requests
  • One credit card for two of the forms
  • A check for the other three forms

Submit two separate packages --

  • First package: two applications, petitions, or requests and two Form G-1450s.
  • Second package: three applications, petitions, or requests and three separate checks.

Security

We use the U.S. Department of the Treasury’s Pay.gov Trusted Collections Service (TCS) to process your credit card payment. TCS is a web-based application that allows government agencies to process debit or credit card payments. You cannot pay the fee directly to Pay.gov.

The Department of the Treasury ensures that Pay.gov is Payment Card Industry Data Security Standard (PCI DSS) compliant. PCI DSS is a set of requirements designed to ensure all companies processing, storing, or transmitting credit card information maintain a secure environment.

We will destroy your Form G-1450 after processing it, regardless of whether we accept or reject your application, petition, or request.

Third-Party Payments

Anyone authorized to use a credit card may pay for your application, petition, or request. The cardholder must complete Form G-1450, sign it, and give it to you to submit with your filing.

Declined Credit Cards

If a credit card is declined, we will not attempt to process the credit card payment again. We will reject your application, petition, or request for lack of payment.

Rejection Notices

If we reject your filing, we will send you a notice explaining why we rejected it.

If you file a corrected application, petition, or request, and wish to pay again by credit card, you will need to include a new Form G-1450.

Avoid Immigration Scams

Learn how to protect yourself from common immigration services scams, and where to report suspected fraud, at Avoid Scams.

And remember, the current versions of all USCIS forms are always available for free at uscis.gov/forms.

Источник: https://www.uscis.gov/forms/filing-fees/pay-with-a-credit-card

How to Make a Discover Card Payment

A young woman is holding her credit card while at at her computer.

Image Credit: View Stock/View Stock/Getty Images

Missing a credit card payment is a big no-no if you want to keep your credit history clean and your credit scores high. One of the best ways to protect yourself from missing payments is to set up autopay online. Discover cards offer this feature, along with several others that help you make sure you make timely payments and protect your credit.

Pay by Phone

You can pay any amount on your Discover card by calling the Discover card payment phone number on the back of your card. When you call the number, listen for the "Make a payment" option and select that. You can make the payment using the tones on your phone, without having to speak with a human.

  • Provide the last four digits of your Social Security number.
  • Say, "Make a payment."
  • Say the amount you want to pay.
  • Confirm that you want to use the bank account on file (if you've set that up).
  • Choose to use another bank account. Provide the bank routing and account numbers if you use this step, and follow any other prompts.

If you want to make sure your payment went through and that you don't miss your payment deadline, ask to speak with an agent or associate. That person will take your information and process your payment.

Make a Payment Online

You can register for a Discover card online account tied to your card. You can log in 24/7 to check your balance, payment due, due date, interest rate, balance transfer offer, credit score or to make a Discover payment posting.

  • Visit www.Discover.com.
  • Click on "Register Account."
  • Follow the prompts to create an account.
  • Look for an email or text that confirms you have set up your account.

You will need to have several pieces of information available to do this. You will need your credit number, expiration date and CVV number on the back of your card. Have your street address, zip code, phone number, date of birth and Social Security number handy so you can create your account.

Once your account is set up, you can log in and click on the "Make a Payment" button under your payment due date, or click the "Payments" how to pay credit card bill discover on the top of the page and navigate to your desired page.

If you have set up your payment information (your bank account), follow the prompts to make your Discover payment posting. You can choose to pay your full balance, your minimum payment due or another amount.

Now that you're in your account, set up communications preferences, such as receiving notices by text or email and your statements electronically or by snail mail. Check your credit score while you're there, as well.

Use the Discover App

You can also use your smartphone to pay via the Discover app. Visit the mobile app page at Discover's website. Follow the directions to upload the app to your phone. Once the app is on your phone, follow the directions to register your card and account and set up bank payments.

Once that's done, follow the directions on the app to make a payment, which will be similar to your choices at your online account. Look toward the bottom of your screen for the "Services" and then select "Manage and Cards and Devices."

Pay by Mail

If you receive paper statements in the mail, you can use the tear-off payment stub portion of your statement and the return envelope to mail in your payment. You'll need a postage stamp. If you get your statements delivered electronically, navigate to your account and open your latest statement.

Look for the Discover card payment address on your statement. Whether you are using a paper or digital statement, you might see two addresses on it. One is the address from which statements are mailed and the other is the payment address. Make sure you use the payment address or your payment might go to the wrong location and your payment might arrive late.

Setting up Auto Pay

If you want to do more than just make a one-time payment from your online account or app, set up autopay. To set up autopay from your online account:

  • Find the "Payments" link at the top of the page and select "Automatic Payments."
  • Follow the prompts to set up automatic payments.
  • Look for an email that confirms you have set up automatic payments.

You will need your bank account information so Discover can draft payments from it. This will usually include your bank routing number and checking account number (you can jose tejas fairfield both at the bottom of one of your paper checks).

When you set up autopay, you can choose the date you want to make your payments each month. Select the due date, or a date that's one or two days before your due how to pay credit card bill discover if you want more of a cushion. You'll be asked to select how much you want to pay each month. You can choose to pay your entire balance each month (to avoid paying any interest), your minimum balance due or another number (for example, $100).

Follow the similar steps in your app if you want to use that method. You can also call the number on the back of your card and set up autopay with a live customer service rep. Your auto payments might not kick in for a few days, so Discover recommends paying your next statement payment due manually, then verifying that your auto payments will work from then on.

Don't Panic About Late Payments

Missed payments, which are those that don't arrive through your next payment cycle, can damage your credit score. In fact, payment history is the most important part of your credit score, making up 35 percent of your score, according to myFICO. Late payments (those that arrive late, but before your next billing cycle) are usually not reported to the credit reporting agencies by credit card companies.

You might have to pay a late fee if you make a late payment. If you haven't had more than one late payment during the past year, Discover will probably waive the fee. Call the number on the back of your card and ask to speak with a live agent. In addition to waiving your late fee, the rep can tell how to pay credit card bill discover if your late payment will be recorded and if it triggered an increased interest rate, as well as help you make a payment while on the phone.

Источник: https://www.sapling.com/4759450/make-discover-card-payment
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