Is using my credit card to pay bills a good idea?
This national non-profit charity offers financial assistance for paying bills, as well as housing, food, and medical expenses. It covers people coming from low-income families and the elderly.
| Those struggling to cover huge medical costs should turn to Medicaid. This organization helps mostly families with limited income and resources. Other eligible groups include the elderly, people with disabilities, and foster care children. |
While using a credit card to pay bills is quite common, you shouldn’t go for this option without a second thought. This form of payment may be convenient for several reasons, but there is one drawback that you need to be aware of. When you use credit cards to pay accumulated bills, or you use them too frequently, you can easily damage your credit score as a result . That’s why it’s better to try with some other options first.
Should I apply for a loan to pay the bills?
Loans to help pay bills should be the last option to take into consideration. You need to look at the big picture here. While applying for a loan to help pay bills might sound tempting at the moment, this option can only cause you more trouble in the long run.
Don’t forget to check for the most common errors
Quite a few people out there are paying bills without even realizing what exactly they’re giving their money for. They’re not reading their billing statements carefully enough to spot potential errors, so they might as well pay someone else’s bill without realizing so. To avoid this, you need to pay attention to every single thing listed, starting with billing information (name, address, billing date, etc).
Another potential scenario is that there are duplicate items . If just a single service is charged twice, that’s enough to make your bill suspiciously high.
Speaking of services, you should also check if you’ve actually used everything you’re being charged for. There might be a service you’ve never received that’s making you feel dizzy looking at the total amount.
DoNotPay can send an extension letter on your behalf
If your income cannot cover your monthly bills, one of the easiest things to do is to ask for an extension date. Many people do this, and many providers approve such requests when there’s a valid reason. If this will solve your issue, too, here’s what you can do to ask for an extension:
- Contact customer service
- Ask for an extension in person
- Send a letter
If you’re thinking about sending an extension, but you’re not sure how to compose it, there’s nothing to worry about- DoNotPay is here to write an extension letter for you. We will need just a little bit of your help. You should provide your personal information and tell us who your service provider is. Since they will want to know on what grounds you’re asking for an extension, we will also need you to tell browse around this site us a bit more about your situation. Then our app takes over. DoNotPay can send an extension letter on your behalf, too.
Rely on DoNotPay to ask for a waiver on late fees
Another convenient option if you’re struggling with your bills is to ask for all late fees to be waived. If you choose this solution, you can do the following:
- Go to your service provider in person
- Contact customer support
- Turn to a lawyer or financial advisor for help
- Send a waiver letter
Many would jump to the conclusion that asking for professional assistance is the most reliable option. While experts are the most reliable, they are usually quite expensive, too. This doesn’t bode well for you now that your income is not sufficient to cover bills, let alone some additional expenses. What if you could get legal assistance for free? You can when you use our app. DoNotPay is the world’s first robot lawyer, and you can get the help you need free of charge. Our app can generate a letter asking for all late fees for your bills to be waived and then send it on your behalf .
