Bills on points producing credit cards

[lukeyb92]

Hey all
This may already be on here, but can’t find it. If budgets allows, it’s the goal to get everything on my Amex ba and MA virgin equivalent.
With gas/electric at about £2k average per year, it’s a fair amount of points.
Has anyone got all there direct debits onto points producing cards? (Mortgage, rent, council tax, utilities etc)

[NorthernLass]

A direct debit or standing order usually has to come from a bank account. What you can do is reduce a dd to a very small amount and then make extra payments on a credit card, the type and frequency depending on what your supplier specifies. So, for example, I am with OVO who accept Visa/MC and I can make unlimited payments with those, so I have my dd set at £5 and pay a chunk on my Virgin card twice a year. Some suppliers only let you make a payment per monthly usage though, so you’ll have to check.

Council tax is also a good one if your council accepts cc’s or Paypal.

[MF176]

Sky TV and BT broadband I have on recurring card Barclaycard payments each month. EE mobile I make a manual BC payment as soon as the bill is generated to prevent them taking the DD a couple of weeks later.

Octopus Energy and EDF I make manual overpayments via AMEX to ensure only the minimum DD is taken. Council tax I pay by AMEX via PayPal. Spotify and other small bits on AMEX.

Works well for me.

[polly]

@MF176

EE take Amex on the automatic phone line. BT you can prepay via paypal using Amex also. Useful. Some agents accept card payments for rent.. service charges etc. PHI dd on bc. Affinity water. Try them all will take either Amex or bc.
Direct debits down to £5/month. Takes the pain out of the bills a bit.

[Reney]

my previous mortgage company allowed overpayment online with a MasterCard. I never dared to cancel my dd and pay monthly online thou in case anything went wrong.

[NorthernLass]

TV Licence, car/house insurance, car tax and United Utilities I pay up front each year with MC. There’s really not much we pay directly out of the bank. Mortgage because FD only takes payments from banks, plus a few things like mobile phone contracts and certain subscriptions where there doesn’t seem to be a way to pay by card.