Is there a fee for using credit card

[JoanneL]

Is there a fee for using pre-authorized recurring payment from a credit card every month? From Bell?

[AlexS]

There shouldn’t be. Bell isn’t Telus lol

[WelshTerrier · Accepted solution]

Bell does not charge for pre-authorized recurring payment from a credit card. There is no fee. Bell does charge late payment fees if bill payment is not received by the due date. 
Your easiest method to avoid late payment fees is by utilizing the pre-authorized recurring payment method for your monthly bill.

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[JoanneL]

Okay that's what I needed to know. The bank got me a credit card where you get 2% on recurring bills and every day necessities & gas and 1% everything else. Insurance companies or paying property taxes won't take recurring credit card payments as they are the ones paying the 2% for each transaction I was told. That's why I wanted to know. Girl at bank is young and fairly new and wasn't aware of all this. All is good now. Thanks for your help. 

[Gibbs]

I never use my credit card, as the card may charge interest based on a "cash advance"

[JoanneL]

Its a new set up with the banks. Not new but quite recent, 2-3 years. I pay everything by credit card and pay it at the end of the month. You earn 2% on recurring bills and necessities like food, gas & drug store purchases. The rest you earn 1%. It adds up fairly quick. You get your cashback once a year. I find it great so far. Way more aware of where my money goes. Before it was pay a small amount on one credit card here and another small amount there and all the monthly bills. No money left and its the beginning of the month. I'm retired, paid only once a month. This is more doable. 

[Jeky]

yeah, what's up with that?  I got charged Cash Advance fees when I paid Bell via Credit Card, I called the bank and they said to contact Bell, when I contacted Bell, Bell told me to contact the bank. FULL CIRCLE

[WelshTerrier]

Good Day & Welcome to the Bell Community Forum.

Bell does not charge for pre-authorized recurring payment from a credit card.

You will need to discuss this with your credit card company. You may have borrowed money against your line of credit to pay your bill. The credit card company loaned / advanced you the funds and added the loan fee to your credit card.

Bell did not charge you this fee. If you paid your bill with your credit line, that is the reason for the Cash Advance fee.

Cash advances allow people with credit cards to borrow money against their credit lines. Credit card cash advances may have higher interest rates than typical credit card purchases do. Cash advances may also come with additional fees. You can typically get a credit card cash advance at a bank, at an ATM, by online transfer or by using a convenience check sent to you by your credit card company.

Other types of transactions may be considered cash advances. They include using a credit card to transfer money to people or businesses via apps like PayPal, etc. or using a credit card to pay down debts like car loans, mobility account, etc. and even exchanging dollars for foreign currency.

A cash advance fee is basically a service charge from your credit card issuer. Depending on your issuer, it can be either a flat fee or a percentage of the cash advance amount. It could be taken out of the cash advance when you receive it or it may be posted to your credit card bill.

The amount you can take as a credit card cash advance may depend on your card issuer’s cash advance limits. You can typically find your limit by reviewing your cards terms or checking your credit card statement.

You may wish to consider other alternatives in the future:

• Use a debit card to access funds from your checking account.

• Investigate in a personal loan.

• Withdraw the funds from your savings account.

• Borrow money from family or friends.

Thank you for posting your issue.

Take care.