Paying Your Verizon Bill with a Credit Card? Here’s What to Know About Fees

I don’t know about you, but I rely on my cell phone for everything these days That handy little device keeps me connected, informed, entertained and on track As much as I depend on it, paying the monthly Verizon bill isn’t my favorite task. But it’s gotta be done to keep that service flowing.

When it comes time to pay your Verizon wireless bill each month, you have options like checking account, debit card, Verizon gift cards and yes – credit card. Paying with your credit card can be quick and convenient. But watch out for extra fees that might surprise you. Here’s what to expect when paying your Verizon mobile bill with a credit card.

The Convenience of Paying with a Credit Card

First, let’s talk about why you might want to use a credit card to pay your cell phone bill Some key reasons include

• Simplicity – If you already have your credit card info saved in your Verizon account, paying is a breeze. Just log in and click submit.

• Rewards – Rack up points, miles or cashback by putting your Verizon payment on certain rewards credit cards.

• Buy now, pay later – Delay your payment until your next credit card billing cycle. Helpful if you’re short on cash when your Verizon bill is due.

• Build credit – Making on-time payments helps establish positive payment history which benefits your credit score

Watch Out for Convenience Fees from Verizon

Paying your Verizon wireless bill with a credit or debit card is easy enough. But be aware – using your card to pay your bill could come with extra fees from Verizon. Here’s what you need to know:

• Paying your bill online through My Verizon or the mobile app is always fee-free. But Verizon charges a $10 Agent Assistance Fee if you pay via a Customer Service agent.

• If you pay your bill by phone through the automated system (dial #PMT (#768) from your Verizon mobile or 1-800-922-0204), there’s no fee as long as you enter your account PIN.

• Calling Customer Service and paying with an agent does trigger that $10 Agent Assistance Fee. Avoid it by using the automated phone system.

• Going to a Verizon retail store and paying your bill at the payment kiosk is fee-free. But paying directly with a store rep has the $10 Agent Assistance Fee.

Bottom line – stick to online, the mobile app or Verizon’s automated phone system when paying with your card to dodge those pesky agent assistance fees.

Don’t Forget About Credit Card Processing Fees

Even if you avoid paying Agent Assistance Fees to Verizon, your credit card company may still charge you a processing fee for paying your cell phone bill. Here are some things to keep in mind:

• Credit card fees – Most credit card companies charge around 2 to 3% processing fees for payments made to a utility or cell phone company. This fee may show up separately on your statement.

• Cash advance fees – Paying a bill with some credit cards is considered a “cash advance.” That could mean fees UP TO 5% of the charge, and immediate interest charges. Yikes!

• International transaction fees – Cards that aren’t U.S.-based may charge a foreign transaction fee of around 3% if Verizon bills you from a non-local address.

The takeaway? Read the fine print on your credit card terms so you know what kinds of fees to expect when paying bills like Verizon. And consider using a card that charges low (or no) fees for transactions like these.

5 Tips to Pay Your Verizon Bill with a Credit Card the Smart Way

Now that you know what fees to watch out for, let’s talk tips for making the most of paying your Verizon wireless bill with your credit card:

1. Use the right card – Choose a credit card with no processing fees or foreign transaction fees to avoid extra costs.

2. Automate payments – Set up auto-pay through My Verizon to have payments charged on your due date.

3. Pay early – Don’t wait until the due date if paying by phone or in person to allow time for the payment to post.

4. Get receipts – Request email receipts and check statements to ensure your payment went through.

5. Watch your limits – Keep credit utilization low by not charging more than 30% of your limit.

Paying with the right credit card while avoiding unnecessary fees lets you maximize the convenience and benefits of paying your Verizon cell phone bill with plastic.

Answers to Your Top Credit Card Payment Questions

If you’re new to paying your wireless bill with a credit card, some key questions may come to mind. Here are answers to some frequently asked questions:

Will paying my Verizon bill with a credit card hurt my credit?

As long as you pay your credit card balance in full each month, your credit won’t be negatively impacted. Charging a regular monthly bill demonstrates responsible usage.

What’s the best credit card to pay my Verizon wireless bill?

Choose a card with no processing fees on utilities and cell phone bills. One that offers rewards on these payments is even better.

Can I set up autopay for my Verizon bill with a credit card?

Yes! You can securely store your credit card in your My Verizon account and set up autopay to charge your monthly Verizon bill automatically.

Will I get rewards for paying my Verizon bill with my rewards card?

You typically can earn your standard rewards and points for these transactions. But check your card’s fine print for exclusions.

What if I need to dispute a credit card payment to Verizon?

Contact your credit card company right away if you spot an error. You typically have 60-120 days to dispute fraudulent or inaccurate transactions.

When you know what to expect, paying your Verizon bill by credit card can be a smooth process. Monitor statements closely and avoid unnecessary fees. Your wallet will thank you!