I can pay card bill with another card?

Credit cards are one of the most widely used payment methods in Brazil. However, cardholders often encounter issues with their bills and need alternatives. One such alternative is paying one card bill with another.

This means that the debt can be paid in installments or paid off in full and the debt problem (albeit temporary) can be resolved.

See this article to see if you can pay a card bill with another card and how the process works.

Is it allowed to pay a card bill with another card?

To answer the central question of our article, yes. You can pay your credit card bill with another card. However, there are some rules you need to follow to ensure this transaction is successful.

To pay a card bill with another card, you need to check whether the contract for the card you want to use allows this transaction. Banks usually offer a service called "pay bills" or "bill payment" for this type of transaction.

However, it's important to observe certain conditions for the payment to be successful. First, you can't use a card from the same bank to make the payment.

Additionally, the expiration dates of both cards cannot be the same. The invoice must also be current and contain the barcode for scanning.

Another point to consider is that some banks may limit the payment amount. Finally, it's important to note that this service is usually charged, meaning a fee may be charged for using this payment method.

Therefore, it is important to be aware of the conditions and fees charged before using this service.

4 Ways to Pay Your Card with Another Card

Before paying a credit card bill using another card, it's essential to check whether the issuing bank allows this operation. It's important to remember that not all banks offer this option, and in some cases, you may need to contact the financial institution to request authorization.

For those who have the possibility, it is worth remembering that payment of the invoice, as with other bills, can be made in cash or in installments, depending on what each institution allows.

Here are some ways to pay with another card:

By Picpay

PicPay's virtual wallet lets you pay bills using your registered credit card. Check out the step-by-step instructions:

1. Download the PicPay app available for Android and iOS and create your account;
2. Access your account in the app and register the credit card you want to use to pay the bill;
3. On the app's main page, tap the green “Pay” button;
4. Then, access the “Store” tab, located in the upper right corner of the screen;
5. Select the “Pay Bill” option;
6. Choose between using the barcode scanner or entering the code manually;
7. Check all the information on the invoice, such as the amount to be paid and the due date;
8. Select the payment method you wish to use and confirm the transaction;
9. Wait for payment confirmation and that's it, the invoice will be paid.

Nubank

Nubank allows you to pay your bill from another card and pay in installments. Keep in mind that fees apply, and you'll be shown the amount of each installment at the time of payment.

1. On the app’s home screen, tap “Pay”;
2. Select the “Pay Bills” option;
3. Scan the barcode on the bill using your cell phone camera or enter the code manually;
4. Select the option “Choose payment method”;
5. Choose the “Credit Card” option and select the desired number of installments;
6. Review all payment information, such as amount, due date, interest, and fees;
7. Click on “Pay”;
8. Enter your 4-digit password to confirm payment;
9. That's it, the bill will be paid and you will receive confirmation of the transaction.

Santander

Santander also lets you pay another card bill with credit. Here's the step-by-step guide:

1. Open the Santander app;
2. Access your account, entering your CPF and password;
3. Click on the Menu, on the top right side
4. Go to the Transactions option and then Pay Barcode;
5. Scan the barcode on the bill or choose to enter the code in numbers;
6. Choose whether you want to pay today or schedule a date. Then click continue;
7. Wait for confirmation from your Santander ID, and that's it. The bill has been paid!

Pay Recharge

Finally, another way to make a payment is through Recarga Pay. Check it out:

1. Open the RecargaPay app on your mobile device (Android or iOS);
2. Tap the “Accounts and Bills” button;
3. Enter the barcode of the bill you wish to pay or scan the code using your cell phone camera;
4. Carefully review the information on the boleto, including the bank, amount, and due date. If everything is correct, tap "Continue";
5. Choose the payment method you wish to use (credit card or account balance);
6. Decide whether you prefer to pay the bill in full or in installments with interest;
7. Confirm the payment information, including the total amount and number of installments, if applicable;
8. Tap “Confirm Payment” and wait for the transaction to be confirmed.

See other alternatives for paying your credit card

If you're having trouble paying your credit card, in addition to the option of paying with another card, you have a few alternatives you can use to get your bill paid. Check them out!

• Pay the minimum amount: If you pay the minimum amount on your bill, you'll avoid late payments and won't compromise your other credit card's limit. This means the transaction will remain with your bank directly, and there won't be any issues. However, if you pay the minimum amount, you'll be credited to the revolving credit facility and will have to pay the remaining amount on your next bill.
• Paying your bill in installments: Another interesting option is to pay your credit card bill in installments. This way, you usually get a lower interest rate while still maintaining the credit you need.
• Negotiate with the bank: You can contact the bank to negotiate and receive better guidance when paying your bill, with lower fees and greater ease.
• Loan: Another option that may be interesting, depending on the amount of the bill and the interest charged, is to take out a loan to cover the cost of the card. It's worth considering whether the interest rates will be lower.

With these alternatives, it may be more interesting than paying the card with another card, due to the amount of interest that this can entail.

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