Using a debit card to pay my credit card directly from the credit card statementstatement

I would just comment that I never use my debit card online. Only a credit card. So easy for hackers to access your bank account.

I have set up a DD with my to pay off my credit card in full each month, it doesn’t involve on line banking.
It’s a Visa card.

GSM I am only using it to pay off my JL credit card balance. I otherwise use credit cards. My bank account is not online. I also only keep a month's money in it, so if hacked, there would not be much to take.

J52 although I do clear my balance each month, I like to be able not to, in an exceptional circumstance. I also like to choose when I pay because things like my state pension are paid 4 weekly so go in on different days each month.

I can understand only keeping a minimum amount in a current account for security but my bank, Lloyds, pays over 5% interest on balances up to £5000.
A not inconsiderable sum.
Before things went down I was getting teens of pounds each month.
It went down for some time but is up again now.
A dilemma for me.

Is it a credit card you want or a bank account?

I believe M0nica wants a Visa credit card that can be paid online with a debit card, Hazeleyes

Hazeleyes It is a credit card, specifically a Visa one.

I have one of the new JL mastercards and I can pay it online using my debit card. This means I can pay it from a bank account that is not online.

I would like to be able to do this on a Visa card. I had assumed that this must be possible on other cards, but I cannot find any This feature seems to be the JL accounts USP.

I'm not sure why you particularly want a Visa credit card. I don't think one is better than the other. What matters most are the card features offered by the issuer. I have an M&S credit card which is Mastercard. This can also be paid off with a debit card as and when you wish.

I have had a credit card for 14 years and I’ve only ever used it to pay my monthly Amazon account bill..

HazelEyes It has to do with how we run our family finances. We separate our individual Mastercard accounts for personal spending from the Visa card, which is for household expenditure and is paid from the household bank account.

Every family has its own way of running their finances in a clear and efficient way, and ours is to use seperate credit card systems for different expeniture.

We also have a household account. We have telephone banking and pay off the credit card each month, specifying the account we want it paid from.

I'd never use my debit card online.

Zoejory as I have said several times, I only want to use it to pay a credit card. I do not otherwise use it for shopping online.

The joy of this way of payment for my credit card is that the account it comes from does not have to be registered for online banking, and that in itself, is a protection from fraud.

M0nica

Zoejory as I have said several times, I only want to use it to pay a credit card. I do not otherwise use it for shopping online.

The joy of this way of payment for my credit card is that the account it comes from does not have to be registered for online banking, and that in itself, is a protection from fraud.

Even though you do not use online banking, using a debit card for any online transaction potentially leaves your bank account open to hackers. A debit card is a conduit to your bank account.

As others have said, I too would never use a debit card online.

M0nica

HazelEyes It has to do with how we run our family finances. We separate our individual Mastercard accounts for personal spending from the Visa card, which is for household expenditure and is paid from the household bank account.

Every family has its own way of running their finances in a clear and efficient way, and ours is to use seperate credit card systems for different expeniture.

Thanks M0nica, I was having trouble understanding! Something that may appeal to you is a Monzo account. This is administered via an app (not online). You can have it as a joint account if you like. It has great security features. Money in the account can be put into various secure pots you name the pots as you wish. Once the money is in one of the pots you can't spend that money, even if your account is hacked they can't get to the money in a pot. Move it back to the general account when you want to spend the money (via the app). The app is fingerprint protected. When you want to pay off one of your credit cards online you can use your Monzo card. First move the money from the pot. Once you have entered your card details online you are prompted to authorise the payment in the app, you then have to open the app with your fingerprint, then you have to enter your pin number. A number of people on here are saying you should never use a debit card online but you cannot pay a credit card off with another credit card.

I couldn’t agree more, Blinko. Any online use of a debit card is risky. It doesn’t have to be shopping.

I think I understand what you are asking.

The John Lewis credit card is a badged Mastercard that you can use anywhere which has rewards that you can use in JL stores.

You want to find a badged Visa credit card which offers the same facility to pay what is owing with a debit card which is not linked to an online banking account.

money.co.uk top ten credit cards for February 2023 are mostly Mastercards. Barclaycard Rewards is the only Visa I can see which offers ... rewards. Here’s the shortened link:

tinyurl.com/yckhjj94

The instructions (see image) for paying seem to suggest that you can pay with a debit card without using online banking:

www.barclaycard.co.uk/personal/customer/managing-your-barclaycard-online/online-servicing#paybill

but would need to be confirmed.

As for paying a credit card debt online with a debit card, the only thing I would be wary of are keylogger viruses which track your keystrokes as you type. If you keep your antivirus software up to date, run regular virus checks, monitor your bank account regularly and don't keep more money in it than you can afford to lose if you were to be caught out, that's all you can do - other than paying another way which you have made clear you do not want to do.

My only other word of caution (if I am undertanding the question) would be about obtaining multiple credit cards as each additional card could knock back your credit score. This may seem unimportant if you do not intent to do any major borrowing but it can sometimes prevent a swap to better credit card deals.

I found that out to my cost some years ago after taking a Debenhams store card just to get a 10% discount on a major purchase. I intended to pay the bill in full and never use the card again, which is what did. A year or so later, when my bank alerted me to a credit card which offered better rewards than the one I had, I didn’t envisage any problems making the swap. However, when they did the obligatory credit check, I was refused. This was a shock as I always pay my credit card bill in full each month and have no other debt.

I took it up with Experian who said it was because I had obtained the store card. It simply looks to their system as though someone is acquiring the means to incur debt even if they are not doing so. They said I would had to wait five years, all other things remaining the same, before the dip in my credit rating bounced back again. After explaining the circumstances to my bank, I was able to swap to the better card. This was years ago. Hopefully, Experian and other credit rating systems are programmed more intelligently now but worth bearing in mind.

Thank you Northface. You get my problem exactly.

We each only have one credit card for personal expenditure and a second one, for which we both have cards, for household spending. I have not made any applications for credit cards, apart from the recent enforced change with John Lewis. If we found a Visa card that could be paid for by debit card we would cancel the existing account.

So far we have avoided all online banking and there is no way, at present that we would consider having any kind of phone based banking system. Nor do we keep large sums of money in our current accounts.

It is just that the JLewis system is so quick and easy and I would like a Visa card that was equally quick & easy.

All seems a bit paranoid to me.

You have credit cards at present MOnica, apart from the JL card. How do you pay them off?

Don't think it is paranoid argymargy, it's careful and cautious.

I wouldn’t put my debit card on line. I only use credit cards to pay for items but I have a direct debit set up online to pay for purchases at a set time of the month. My dh has a card and I have one of his which is used for regular online shops. I pay this online when the statement arrives. Less use of debit card as poss.

I have always paid off my Credit Card on the due date automatically from the bank account by direct debit. My Debit card I used for some other purchases both have advantages.

I understand, M0nica but using a debit card online isn't recommended.

All the money in our banks is now digitised . We're heading to no banks in High Streets and small towns and villages

Good luck in finding what you want 😀