Most major credit card companies don't allow credit card bills to be paid by credit card. There are alternative methods of using a credit card to make bill payments, such as using the card to get a cash advance or transferring one credit card balance onto another.
Major credit card issuers are restricted by credit card associations from accepting credit cards as a method of paying a balance. Credit card companies also want to avoid paying fees to rival credit issuers. Therefore, consumers must use alternative methods, such as paying with a check or using the credit card to get a cash advance. A cash advance allows the card holder to get a limited amount of money from an ATM machine, which can be used to purchase a money order to pay a bill. Cash advances are not free, and a high interest rate is usually attached to the amount withdrawn.
One way to lower monthly credit card payments is to transfer a high-interest card balance to a new credit card with a lower interest rate. Obtaining a low interest card is best accomplished when a person's credit rating is in good standing. For instance, a convenience check from the new card issuer may be used towards making a payment on another card balance.