Chargesmart.com

Discussion in 'Hilton | HHonors' started by sicemdawgs, Aug 26, 2012.  |  Print Topic

  1. sicemdawgs

    sicemdawgs Silver Member

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    I was wandering if anyone has used Charge Smart to pay their bills? I have the Citi Hilton HHonors Reserve and want to pay my car payments for two months so I can get the $2,500 spending bonus (free weekend nights). If anyone can give feedback (legitimate, is it considered credit card purchase and not cash advance, etc.). I do know they charge a fee. Thanks everyone.
     
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  2. marcwint55

    marcwint55 Gold Member

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    be careful with Citi as they are notorius for determining that anything and everything is a cash advance.
     
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  3. sicemdawgs

    sicemdawgs Silver Member

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    Thanks for the heads-up Marc. Charge Smart says that all payments are done by ACH transfer, so I am worried that it might look like a cash advance and not a credit card "purchase".
     
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  4. marcwint55

    marcwint55 Gold Member

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    I recently did the Nationwide Buxx card and for a $500.00 card purchase they charged me $25.00 cash advance fee and $1.16 interest. I was not too happy with them and I should have known better as I have had problems with them in the past. I am not certain, but I do think your ACH will generate a cash advance fee and interest charges. The other thing that sucks is you don't get any miles or points for the transaction.
     
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  5. sicemdawgs

    sicemdawgs Silver Member

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    Yep, without the purchase threshold, it would not do me any good. Thanks again.
     
  6. viguera
    Original Member

    viguera Gold Member

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    I've used Chargesmart for over a year now to pay both my car notes with no issues. They have relatively high fees for "large" transactions but it's all disclosed up front before you get charged... in my case I was paying between $15-20 for transactions up to $800.

    The only real "catch" as I can see is that the merchant has to be on their list (which some are not, especially small regional utilities). And you're mostly correct on the ACH transfer bit... they charge your card as a purchase, then do an ACH transfer to the merchant you're paying, similar to using bill pay with a bank.

    In my case I had no issues with any of the miles posting to my cards or the bills being paid, but just like bill pay / ACH they charge you right away and they make the payment a day or two later, so keep that in mind if you're doing "time sensitive" stuff.
     
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  7. sicemdawgs

    sicemdawgs Silver Member

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    Thanks Viguera. Both car companies are on their drop down menu. I really do appreciate the explanation.
     
  8. flyingdawg
    Original Member

    flyingdawg Gold Member

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    From one Dawg to another....Welcome to MP !
     
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  9. sicemdawgs

    sicemdawgs Silver Member

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    Yep. Thanks Dawg.:D
     
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  10. Singapore Flyer

    Singapore Flyer Silver Member

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    I have used my Citi AA card x2 to pay my mortgage and it went through as a purchase. Usually use it to hit all my spends. I rather pay the nominal fee and get the bonuses on things I normally don't earn points like mortgages.
     
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  11. sicemdawgs

    sicemdawgs Silver Member

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    Thanks. Glad to know Citi considers it a purchase.
     

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