Genesis FS Card Services P.O. Box 84059 Columbus, GA 31908-4059
When paying Destiny Card bills by mail, be sure to submit either a check or money order for the payment amount. Destiny does not accept cash.
Tips For Mailing Destiny Card Payments
Include your credit card number on your payment to avoid any processing delays.
Allow enough time for Destiny to receive your payment on or before the due date, or it will be considered late.
Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account or by calling customer service at 1-844-222-5695. Destiny also allows in-person payments at local Destiny branches.
It takes 1 to 3 business days for a credit card payment to post to your account if you pay online or by phone. Payments by mail will take a few days longer. If your credit card is linked to your checking account and both accounts are from the same bank, your payment may post immediately following the transaction. Your issuer’s payment timelines are included in your monthly statement, or you can call customer service for more information.… read full answer
In order to understand how long it takes an issuer to post your credit card payments, it’s important to know the difference between “credited,” “posted,” and “cleared.” When you submit a payment, the amount is credited, meaning the issuer recognizes you paid it. But it may not post, or be reflected in your available credit, for another day or two. When a payment is cleared, the issuer has actually received the money. As long as your payment is at least credited by the due date, it’s considered on time, assuming the transaction goes through.
To avoid any worry about how long it will take for a credit card payment to post, set up your account for autopay. This feature automatically debits your bank account for a pre-determined amount on the card’s payment due date. As long as you have enough money in the account to cover the transaction, your payments will never be late. You should be able to set up autopay online or by calling your issuer’s customer service department.
Credit card autopay is a feature offered by most credit card issuers that withdraws money from your bank account to pay your credit card bill every month. You can use a credit card’s autopay function to schedule payments for a specific day each month, and you can choose to pay the … read full answerminimum amount due, the full statement balance, or a custom amount.
Payments made with autopay will be funded from whichever payment account you have entered to pay your credit card. Usually, your bank account and routing numbers will be required to make an automatic payment.
Key Things to Know About Credit Card Autopay
How to set up autopay
You’ll typically be able to set up your credit card autopay feature wherever you make online credit card payments. Simply log in with your credentials, navigate to the payment section, and look for “autopay” or “set up automatic payments.” If your card issuer has a mobile app, you should be able to set up automatic payments on the app, as well. Plus, you can typically enroll in autopay by calling the number on the back of your card.
When you set up autopay, there are usually three options available: pay the minimum payment, pay the full balance, or pay a fixed amount. By choosing to pay the minimum amount due, you will avoid late fees and potential credit score damage. Minimum payments vary, but most issuers charge either a flat rate or a percentage of your total balance, whichever is higher.
Choosing to pay the full balance each month is usually the best option because you can avoid interest charges and accumulating debt. Alternatively, you can choose to pay a custom amount above the minimum but below the full balance due.
Benefits of autopay
Autopay helps you pay your credit card bills on time by removing forgetfulness from the equation. As a result, you can avoid costly late fees and fill your credit report with positive information, boosting your credit score. Plus, if you choose to pay your full statement balance automatically, you’ll avoid interest charges on purchases.
What to watch out for
There are a few things to keep in mind when enrolling in autopay. For instance, if your account doesn’t have enough funds for the automatic payment, you will either overdraft your bank account or miss a credit card payment. To avoid this situation, make sure you have enough money in the payment account to fund your payment every month.
Also, if your automatic payment goes through before you review your statement, you could unknowingly pay for a fraudulent charge or an error. So, make sure to check your transactions regularly.
How to Set Up Autopay with Major Credit Card Companies
When setting up autopay, it is important to keep track of your credit score and the information on your credit report. So, make sure you sign up for free credit monitoring.
Ultimately, if you worry about fraudulent charges on your credit report, keep in mind that you will be covered by a $0 liability guarantee. This feature is offered by all major credit card issuers. You just have to point out any suspicious charges the credit card company doesn’t flag on its own within a reasonable amount of time.
It is possible to pay a credit card with a credit card by doing a balance transfer or a cash advance, for example, but you cannot make a credit card the regular payment method for another credit card account. Accepted payment methods for monthly credit card bills generally include bank transfers, checks, and money orders.… read full answer
You cannot consistently pay a credit card’s bill with another credit card for several reasons. For one thing, credit card companies won’t let you. Credit card transactions are also more expensive to process than bank transfers, which means accepting credit card payments would eat into credit card companies’ profit margins. Besides, if you could pay credit card bills with credit cards, it could be possible to keep shifting debt around without ever actually paying it. But with some maneuvering, there are ways to make a one-off transaction work.
4 ways you can pay a credit card with another credit card:
Do a balance transfer: If you’re unable to pay your credit card bill in full and are paying a high interest rate, you may want to consider a balance transfer. This allows you to transfer your credit card balance to a different card with better financing terms (perhaps an introductory period with a 0% APR for a set number of months). That way, you can pay off your credit card bill over time without worrying about as much interest being applied. This does amount to paying your credit card bill with a credit card, but it’s more of a one-off way to save money on interest than a viable recurring option.
Use a mobile payment service: One way to pay a credit card with another credit card is to use a mobile payment app such as PayPal or Venmo as a middleman. These apps allow you to transfer money from user to user, and you can fund them with a credit card. In other words, you could use your credit card to pay a friend or family member through the app, and they can then make your credit card payment for you or give you the money to do it yourself. You can earn rewards with this method, but there may be fees to contend with. In addition, be aware that some person-to-person credit card transactions on Venmo will show up as cash advances on Mastercard and Visa credit cards, which typically come with high fees and APRs.
Purchase a money order: Companies like MoneyGram and Western Union allow you to send money to a particular phone number or email address, or pick up cash from a physical location, and fund the transaction with a credit card. However, this is usually treated as a cash advance, which means expensive fees and interest charges would apply, in addition to the fees charged by the service.
Do a cash advance: You could take out a cash advance at an ATM, deposit the money into your checking account, and then pay your credit card bill from there. However, considering the high fees and interest rates that accompany cash advances, not to mention the low limits on such transactions, that’s unlikely to work very well. It would be a very expensive way to pay one credit card bill, let alone recurring bills over time. The same generally goes for the various other ways you can transfer money from a credit card to a bank account, too.
Despite the availability of these options, the best way to pay your credit card bills still is to set up automatic deposits from a checking or savings account. As long as you have enough money in your bank account, you won’t miss any payments.
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