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Can you pay off credit card with another credit card? Typically, credit card issues do not allow you to pay off the credit card with another credit card. But there are still loopholes, such as a balance transfer and cash advance. Let’s find out more details in the article of Hanfincal

1. Should you use one credit card to pay off another?

A balance transfer or cash advance may be the greatest solution available in specific situations and for the appropriate people when they offer some benefits, such as lower APR and interest savings, and manage a sing balance.

However, in fact, trying to remove debt in one place by creating it in another is more dangerous than you think. It will leave you deeper in debt, make it even harder to pay off on time in the future, and negatively affect your credit and overall financial standing. This might explain why banks simply won’t allow you to pay your credit card bill by charging it to another one.

2. How can you pay off credit card with another credit card?

2.1. Getting a cash advance – Yes but it’s a bad idea.

It’s feasible to acquire cash from an ATM using your credit card, then use that money to pay off another one. However, such a transaction – a cash advance — is usually accompanied by exorbitant fees and interest rates, making it a very costly option to obtain quick cash.

It’s also not the way to go if you want to make a lot of money. Cash advances aren’t usually rewarded. Even if they did, the substantial fees and interest charges that come with them would certainly outweigh any benefits you would receive.


2.2. Use one credit card to pay off another by transferring a balance

You may save money on interest by transferring debt from a high-interest credit card to one that offers an introductory 0% APR or low-interest balance transfer offer, then paying it off at a lower rate.

Credit cards typically incur balance transfer fees of 3% to 5% of the transferred amount, with certain exceptions. Balance transfers aren’t always immediate; they might take weeks to complete. They also don’t usually get rewarded.

Before using a balance transfer to pay off your card, keep in mind that this method is not a one-size-fits-all solution. Here are some considerations:

  • Balance Transfer Fee: Depending on how much your total debt, the interest rate of your credit card, and the debt payment term, you can still save your money even if you have to pay this fee. Remember to do the math before making any decision in relation to financing.
  • The same credit card issuers: As previously stated, banks don’t allow you to pay off one card using another card from the same bank. So if you are interested in a balance transfer offer, you have to shift the balance to another card from a different bank.
  • Your Credit Score: Only a person with good or excellent credit scores can qualify for a balance transfer offer. Even if you do, a balance transfer can hurt your credit score every time you apply for a new line of credit.
  • The 0% Period: Make sure you’ll be able to pay off your amount within the 0% APR term before transferring it to a new card. If you don’t, you’ll be stuck paying an even higher continuing interest rate once the 0% period ends.

2.3. For direct payments – Obviously no

Generally, paying monthly credit card payments with multiple credit cards is not an option. Expect to collect easy points and miles in an endless loop, or to buy yourself more time to pay off debt rapidly this way.

When paying credit card bills online or over the phone, credit card issuers normally require you to use a bank account. You’ll need to submit an account and routing numbers, and you won’t be able to use a credit card number in place of them.

These limits exist in part because issuers aim to reduce their risk. A client who pays one credit card with another may be more prone to payment default.

3. What to do if you can’t pay your credit card bill

If you answered “yes” to one or more of these questions, it’s possible you have a bigger problem with money management.

  • You’re having trouble making payments on your credit card.
  • You have trouble following your monthly budget and making spontaneous purchases with your credit card.
  • You have no intention of discontinuing use of the first card, which might result in credit card balances and interest collecting on both cards.
  • The APR on the card you’re using to pay off the other amount is greater than the APR on the card you’re using to pay off the other balance.
When to avoid paying a credit card with another

When to avoid paying a credit card with another

To explore the best solutions for your financial circumstances, contact a financial expert. You may also check with your credit card company to see whether you qualify for a payment plan.

Before you pay off one credit card with another, think twice. It may be a smart idea to do so if it would help you save money on interest, combine your payments, and pay off your debt faster. However, calculate up the credit card fees and interest you might be charged before moving your card amount to be sure it’s a solid financial decision.


Hanfical answered the question “Can you pay off credit card with another credit card?” from many readers. Hope you will have a lot of useful information after reading this article.

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