Can You Pay Credit Card Bill for Someone Else Online

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If y'all know someone who's struggling under crippling credit bill of fare debt, paying their bill can be a huge relief for them. You lot could simply give them the money to pay the bill themselves, but if y'all'd rather do it yourself, you can typically make the payment online, over the phone, or in person.^[one]

1. 1

   Set the credit card visitor as a payee with your bank. If you utilize online banking to pay your bills, you tin can pay the credit card bill through your online account or mobile app. Simply add together the name of the credit carte du jour company as a payee and include the account number of the person whose pecker you want to pay.^[2]

   • If you lot want to pay the person's credit card bill online, this is usually going to be your easiest option. You won't have to ask the person for their login information to admission their online credit card account and you won't exist accessing their credit card account.

2. ii

   Go through the credit card website if yous have the cardholder's credentials. To make a payment direct to the credit card, you'll demand the username and password of the person whose neb you're paying. Credit card companies typically won't let yous create an account except to pay your ain active card.^[3]

   • This usually isn't a feasible option unless you lot're paying the bill of someone you lot know very well who trusts you with their login information. Even so, you might recommend that they alter their password after yous've made the payment.

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3. 3

   Enter your banking concern account and routing number to make a payment. Credit card companies typically won't accept another credit or debit carte every bit payment. If you're paying from a savings account, contact your bank or check the website to get the routing number.^[four]

4. 4

   Choose your corporeality and frequency of payment. Use the one-time payment pick if you're only making a single payment. Typically, y'all don't have to relieve your banking concern account information in the person'southward business relationship to practice this.^[5]

   • If the website requires you to salve your business relationship information to brand a payment, you can always go back and delete it after the payment has gone through.

5. v

   Relieve your payment confirmation for your records. Whether you pay through your bank or through the credit card visitor's website, you'll typically get a confirmation number. Impress that out or write information technology downwards so you'll accept information technology in case in that location's a trouble with the payment.^{[half dozen]}

   • Y'all might also want to pass on the confirmation number to the person whose pecker you paid. The credit card company likely won't talk to y'all if there's a problem processing the payment since yous aren't an authorized user.

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1. i

   Call the customer service number for the credit menu company. The customer service number for bill payment is typically establish on the dorsum of the credit card. Here are United states of america client service numbers for some of the most common credit card companies:^[vii]

   • American Express: 1-800-528-4800
   • Banking company of America: ane-800-732-9194
   • Upper-case letter One: 1-800-227-4825
   • Chase: ane-800-935-9935
   • Citi: one-800-950-5114
   • Credit 1: ane-877-825-3242
   • Discover: ane-800-347-2683
   • Wells Fargo: one-800-869-3557

2. 2

   Navigate the menu to a live operator and explicate what y'all desire to do. While you might be able to use the automatic payment options, information technology'south typically better if you talk to someone. Tell them that you want to pay someone else'southward credit card bill and they'll let you lot know what you need to do.^[eight]

   • For some cards, yous might be able to make a payment using the automated payment organization, depending on the data you accept for the account and the cardholder. You can always call and find out what data you need, and so get that information from the cardholder.

3. 3

   Provide the account holder'south name and account number. Some credit card companies might also enquire y'all for the card'south expiration appointment or CVV number on the back of the card, but usually, merely a name and business relationship number volition be enough for the operator to pull up the account.^[9]

   • You'll also need to know the corporeality y'all want to pay. The credit card visitor typically won't tell you lot the balance on the account or the minimum payment due unless you are listed on the account as an authorized user.^[x]

4. 4

   Provide your payment data. Typically, you'll need to provide your bank account number and a routing number to make a payment over the phone. If you're giving these numbers to a alive operator, they'll echo the numbers back to make sure they're right.^[11]

   • Make sure you lot likewise give them the name that is on the bank account since information technology will differ from the cardholder's name.
   • Make sure the operator or automated arrangement doesn't save your account information as a payment profile if you're only making a one-time payment.

5. 5

   Write downwardly the payment confirmation number. The operator volition typically give you lot a payment confirmation number after you provide your payment data. If they don't automatically do this, ask them for one! You lot'll need it if at that place are any issues with the payment. You might as well desire to laissez passer it on to the cardholder and so they have information technology for their records.^[12]

   • Echo the number dorsum to them later you write it down to brand sure you've copied it correctly.

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1. i

   Get the payment address from the person's account statement. Credit bill of fare companies typically have several addresses, but there's a specific i for payments. Even the payment accost may differ for consumer credit cards and business credit cards, so it'southward best to use the accost on the cardholder's nearly recent statement.^[13]

   • If you lot tin can't get ahold of the person'south argument or you're making the payment as a surprise, check the credit card company'due south website. On the contact folio, they'll typically accept the accost yous should utilise if you lot're sending in a payment.

2. ii

   Use a check or money order for the payment. When making a payment past post, always send a personal check, bank cashier's cheque, or money order. If you write a personal cheque, make a re-create before you lot post it. For cashier's checks or money orders, continue the receipt as your record of payment.^[fourteen]

   • Y'all might also desire to brand a copy of the cheque or money order (or receipt) for the person whose bill y'all're paying. That way, they have proof besides in case something goes wrong and the payment isn't processed correctly.

3. 3

   Include the person'southward full name and account number on the check. Put the account data on the memo line of your bank check or coin order to ensure the payment is applied to the correct account. Since the account holder'due south proper noun isn't listed on your check or money order, adding their proper name is also helpful.^[fifteen]

   • If you're paying with a cashier's bank check or money order, ask the clerk to add this information to the memo line for yous.

4. 4

   Confirm with the cardholder that the payment cleared. If you write a personal check, y'all'll know the payment has been processed when information technology clears your bank account. Otherwise, you may accept no way of knowing when the payment clears. Ask the person whose beak you paid to let yous know when the payment clears.^[sixteen]

   • Fifty-fifty though you made the payment, don't expect the credit card company to contact you about the payment or give yous whatsoever data nigh information technology if you lot contact them.

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1. 1

   Visit a local branch of the banking company that issued the credit carte to pay in cash. If the person's credit card was issued past a depository financial institution, you can typically make credit card payments at any open branch during regular business hours. When you go, brand sure you have the person's full proper noun (as information technology appears on the card) and credit carte du jour business relationship number. That should be all you demand, only y'all might want to telephone call alee and make certain you don't demand any boosted information.^[17]

   • Some credit card companies don't have physical locations where y'all tin can pay the bill in person. In these situations, check the company'south website to see if they have partnered with other companies, such as Western Matrimony, to accept in-person payments.^[xviii] The website will give you information to include with your payment to make sure information technology's credited correctly.^[xix]

2. 2

   Provide the teller with the carte du jour number and cardholder'due south name. Let the teller know y'all're paying someone else's credit card nib, then give them the name and account number. It's too commonly a practiced thought to have an corporeality in mind that you lot want to pay. The teller probable won't exist able to requite you any information about the account for privacy reasons.^[20]

   • For example, it might not be possible to walk in and pay the remainder in full unless you know the amount of the residual. The teller typically can't release that information unless y'all're listed every bit an authorized user on the account.
   • It helps if you have a copy of the person's nigh recent statement since it will have most of the information the teller needs to consummate the transaction.

3. three

   Give the teller money for the payment. When making an in-person payment, you have more than payment options and can typically utilize a personal bank check or greenbacks if y'all adopt. Typically the teller volition automatically give you a receipt for your payment. Ask for two copies so you accept 1 for your records and another to give the person whose bill you paid.^[21]

   • If you planned the payment every bit a surprise, concord their copy until they discover their neb has been paid. So let them accept it for their records.

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• Continue records of the corporeality yous give and who you give it to because there might be tax consequences. For example, if y'all're in the US, you can surrender to $15,000 per person, as of 2020. For amounts greater than that, you would have to file a souvenir tax return.^[22]

• If you're going to be paying the bill regularly, talk to the person most becoming an authorized user on the account. And so you'll be able to admission the account information the aforementioned equally they can.^[23]

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• Before paying someone else's credit carte du jour bill, get over your ain finances carefully. Make sure y'all can beget to assist them out and notwithstanding cover your ain obligations.^[24]

• If you're paying the credit card bill of someone y'all don't know, practise what y'all tin to enquiry the person's situation before you commit to avert falling casualty to a scam.^[25]

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