Is it safer to pay bills with a credit card or debit card?

Generally speaking, paying your monthly bills by credit card can be a good idea as long as you're able to adhere to two rules. Always pay your statement balance in full and on time each month.



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Purchases you should avoid putting on your credit card
  • Mortgage or rent. ...
  • Household Bills/household Items. ...
  • Small indulgences or vacation. ...
  • Down payment, cash advances or balance transfers. ...
  • Medical bills. ...
  • Wedding. ...
  • Taxes. ...
  • Student Loans or tuition.


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It's a good idea to pay off your credit card balance in full whenever you're able. Carrying a monthly credit card balance can cost you in interest and increase your credit utilization rate, which is one factor used to calculate your credit scores.

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7 Things Your Credit Card Company Doesn't Want You to Know
  • #1: You're the boss. ...
  • #2: You can lower your current interest rate. ...
  • #3: You can play hard to get before you apply for a new card. ...
  • #4: You don't actually get 45 days' notice when your bank decides to raise your interest rate. ...
  • #5: You can get a late fee removed.


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