Alternatives to "Chargesmart.com"

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12 posts
nvtech
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Alternatives to "Chargesmart.com"

Postby nvtech » Sun Nov 10, 2013 3:05 pm

Guys,

Do you have information about any alternatives to websites to "www.chargesmart.com".

I am trying to use one of my credit card for min spending requirement and they look like they don't service penfed Mortgage loans.


cashback
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Postby cashback » Sun Nov 10, 2013 4:03 pm

Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

nvtech
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Joined: Thu Oct 25, 2012 9:28 am
Location: USA/North Carolina

Postby nvtech » Sun Nov 10, 2013 6:17 pm

No.

I am not asking about the BB.
I want to know a website from where I can use my credit card directly to pay for the mortgage.
I know there is a fee involved of up to 2.95%. But still I would like to go that route.

For Paying rent. we have websites like http://www.willaimpaid.com.

The website chargesmart does not have Penfed as an available Biller.

cashback
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Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Sun Nov 10, 2013 6:19 pm

So you want to pay more to do the same thing? Confused...
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

nvtech
Centurion Member
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Posts: 150
Joined: Thu Oct 25, 2012 9:28 am
Location: USA/North Carolina

Postby nvtech » Sun Nov 10, 2013 7:32 pm

cashback wrote:So you want to pay more to do the same thing? Confused...


Yes :-)
I know it costs more.

cashback
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Location: NY

Postby cashback » Sun Nov 10, 2013 7:38 pm

nvtech wrote:Yes :-)
I know it costs more.


Can you explain your reasoning on wanting to pay 3% when you can pay less than 1%? Do you like to pay more for things? If so, I have some really cool things I could sell you.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

DavidNY
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Postby DavidNY » Sun Nov 10, 2013 8:37 pm

cashback wrote:So you want to pay more to do the same thing? Confused...


It sounds like he wants to pay for the convenience of not using Bluebird and the info from your link that disappeared.

nvtech
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Postby nvtech » Mon Nov 11, 2013 10:04 am

cashback wrote:Can you explain your reasoning on wanting to pay 3% when you can pay less than 1%? Do you like to pay more for things? If so, I have some really cool things I could sell you.


Hahahah...
Its not exactly that I wan to pay more.
Here is what I am trying to do.
I have the old priceline visa card which gives 2x points on the purchases. From one of the recent redemption, I found out that the value of each point can be any where between 1.50-1.75c per piece when used in a right way.

I redeemed a $1000 odd NYOP tickets for 60,606 points. So I paid $606 for a $1000 ticket. I was completely baffled.

Coming back to Chargesmart, I was trying to pay $1300 mortguage and it would incur me a cost of $30.99.

I get 2600 points and assuming I redeem @ 1.65c/point, $42.90.
I thought this equation would work awesome as long as I have the same reward structure.

So coming back to the problem, damm I don't have penfed listed as a biller there.

Bluebird is kool but not enough cards available in my area. Also I felt its tough to manage.

cashback
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Postby cashback » Mon Nov 11, 2013 10:38 am

Makes sense, but there are many ways to accomplish that at a much cheaper cost. If you don't like the BB route, Amazon payment is another easy option. Just need a family member/significant other to play along and you can get your points for free.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

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djrez4
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Postby djrez4 » Mon Nov 11, 2013 11:18 am

I guess you could AP into a Penfed checking account and pay the mortgage that way. The first $1000 is free. But, if you do the $1000 AP monthly, it doesn't really matter if you pay the mortgage with it or not. Money is fungible.

Other than that, I'm not aware of any sites similar to ChargeSmart.
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