How to Pay Bills Using Credit Card

Credit cards have the added benefit of being very convenient, and they may also be used as a quick source of cash in an emergency. On top of that, you may also avoid lugging around a wad of cash and writing out cheques by charging many of your everyday transactions to a credit card.

You can also keep tabs on your spending and perhaps earn some nice cash back or travel rewards by using the tools provided by your credit card's account management capabilities.

In point of fact, as it happens, one of the greatest advantages of credit is the ability to automate the payment of certain payments. Credit cards are convenient for paying regular bills like mobile phones, internet, and cable, and they may also be used for various types of insurance and other payments like auto payments. When you wait for your credit card bill to come in the mail, you may pay it and the rest of your payments at the same time.

Excited to use credit card payments for your dues this month? Read on to learn more about using a credit card to settle bills in the Philippines.

How to Use Credit Card Payments in PH for Your Monthly Bills

Online bill payment is somewhat similar to using a shopping cart when making an online purchase. In fact, almost all credit card bill payments made nowadays are processed digitally. In addition to the convenience of automatic bill payment, cardholders have access to a variety of alternative options for making payments without leaving the house.

Once you've decided on a reliable credit card for your monthly expenses, you can now proceed as follows:

Step 1. Use a credit card as your mode of payment.

Step 2. Enter the information requested exactly as it appears on your credit card or billing statement.

Step 3. Double-check and then input your payment details. A one-time password (OTP) verification code will be required to complete the transaction if the payment is approved.

Meanwhile. if you want to sign up for a credit card company's automatic bill payment service, Simply call the customer care number provided on the back of your card to reach your bank's customer service. Enter your payment card information and the biller information for which you want to enroll. Once you've established recurring payments with your card, the only monthly expense you'll need to keep track of is your credit card bill statement.

Paying Bills Using Major Credit Cards in PH

You may also make your bills payment using the credit card company's mobile app for online banking. If you want to pay using your credit card, all you have to do is install the official app from your card issuer on your smartphone.

Depending on the kind of credit card you have, this is how you can pay your utility bills using your mobile phone:

Paying bills via Banco de Oro (BDO) credit card

1. 1. Use your mobile device to sign in to the BDO Mobile Banking app.
2. 2. Click Enrollment Services then choose Enroll Company/Biller.
3. 3. Fill out the necessary Enrollment Details
4. 4. Once enrolled, go to Pay Bills then select Enrolled Billers
5. 5. Fill out the Payment Details and click Continue.

Settle your dues with Philippine National Bank (PNB) credit card

1. Select the Pay Bills option.
2. Use your PNB bank account as your credit card issuer.
3. Pick a provider or a biller.
4. Provide the account number and the amount. You also have the choice to plan your automatic payments for a future date or set it to recur daily, weekly, monthly, quarterly, or yearly.
5. Type in the 6-digit One-Time PIN (OTP) that was provided to your phone. Please be aware that after the PNB Digital Key is activated, you will no longer need to submit an OTP. If prompted, choose "Approve" from the alert screen.
6. Review the confirmation page to see the details of your payments. Select "Share" to give the recipient a screenshot of the confirmation page. Tap “Save Biller” so you no longer have to input the same account data for the succeeding payments.

Remember that your email and/or mobile number on file will also get a confirmation message after the transaction has been processed successfully.

Get your monthly dues settled with Security Bank credit card

You can pay your bills using your Security Bank credit card to any billers that accept credit card payments through their Bills Assist and remember only one due date.

Pay bills via credit card from Unionbank

1.  UnionBank has an app for your mobile device, so you can access your account from anywhere with internet access.
2.  Select the Bills tab from the app's main screen.
3. After selecting a biller using Select Biller, you may see the details by clicking Biller List. Pick a Biller to whom you want to send payment.
4. Select Next after entering the necessary billing information.
5. Select your UnionBank credit card and enter the amount due.
6. To finalize your purchase, review the billing information before tapping the Pay button.

Paying Bills Over the Counter Using A Credit Card

Paying your bills using your smartphone to billers who accept credit cards is an option, but you may also pay in person with your credit card balance. You may pay your bills at any payment center near you and not worry about carrying some cash along since you can just use your credit card as you would for any other in-store purchase.

Avoid Penalty Fees on Your Home Dues with Your Credit Card

Residents and homebuyers of Lumina Homes can now settle their monthly amortization, downpayment, or reservation fee for their affordable house and lot through their checking account or credit limit and skip the tedious process of carrying a huge amount of cash with them.

If you want to pay for your house and lot in the Philippines through your bank's mobile app, you can pay through our affiliated banks such as Banco de Oro (BDO), Philippine National Bank (PNB), Security Bank, Unionbank, AllBank, and Asia United Bank (AUB).

But if you'd prefer to pay for your real estate investment via your online banking, and you don't have any account with the above financial institutions, you may still utilize Instapay with any bank.

Accessing the Transfer to Other Local Bank or a comparable feature is as simple as logging into your favorite bank's mobile app or website. After that, choose "AllBank through Instapay" as the destination bank. With this, you can have the assurance that your money will be safely transferred from AllBank to Lumina Homes upon completion of this successful transaction.

On top of that, the good news for BDO homeowners is that they may make use of a convenient Auto Debit Agreement service. Lumina Homes will handle the application processing with BDO when you obtain an Auto-Debit Application Form from your Lumina accounts officer and all you have to do is fill it out and send it back.

Having a credit card makes sense if you can earn reward points and skip the queue of paying your home dues! Get your affordable house and lot for sale now in Lumina Homes and experience a convenient homeownership experience with us!