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Yes, you can pay some bills with a credit card, but it depends on the company you’re paying.
Some billers accept credit cards directly, while others do not, or they charge an extra processing fee.
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What Bills Can You Usually Pay With a Credit Card?
Many people can pay things like:
Phone and internet
Streaming subscriptions
Insurance payments
Some utilities
Some government payments (sometimes with a fee)
But some billers only take debit, bank transfer, or e-Transfer.
Why Some Bills Cost More on a Credit Card
Two common reasons:
Processing fees: The biller (or a payment service) may charge a percentage fee to accept credit cards.
Cash advance rules: Some “money transfer” style payments can be treated like a cash advance, which can mean extra fees and interest right away.
If you’re not sure how a payment will be treated, it’s worth checking the biller’s payment page first.
When Paying Bills With a Credit Card Can Be a Good Idea
It can make sense if:
There is no fee, or the fee is small
You can pay the statement balance in full by the due date
You want one place to track spending
If there is a big fee or you might carry a balance, it usually is not worth it.
Quick Note If You’re Under 18 or 19
In Canada, you generally need to be the age of majority (18 or 19, depending on your province) to get your own credit card.