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How To Pay Chase Credit Card With Visa Gift Card? (Explained)

How To Pay Chase Credit Card With Visa Gift Card? (Explained)

Making late payments or only making minimum payments to service your credit card bill can result in costly fees and damage your credit score. One way to avoid these issues is by paying off your credit card balance in full each month.

One of the most common questions for people looking to pay off their Chase credit card is how to pay with a Visa gift card.

If you have a Chase credit card and a Visa gift card, there are a few different ways you can go about paying your balance.

Can I Use a Gift Card to Pay My Credit Card?

The simple answer is noYou cannot use a gift card directly to pay your credit card. A gift card is categorized as manufactured spending because it is not a traditional credit card. Most credit card companies, including Chase, do not accept gift cards as a form of payment.

That doesn’t mean you can’t use a gift card to pay off your credit card balance. It means you have to be a little creative about how you do it.

Here are a few different ways you can use a Visa gift card to pay your Chase credit card balance.

Use the Gift Card to Buy a Money Order

You can use a Visa gift card to pay your Chase credit card by buying a money order with the gift card and then using that money order to pay your credit card bill. This method is beneficial if you have a large balance or need to make a payment quickly.

You can usually find money orders at the post office, grocery stores, or your local convenience store. Once you have the money order, fill out the necessary information and make it out to Chase.

Be sure to include your account number on the money order to get applied to the correct account. You can then mail the money order to Chase or bring it to a physical location.

Use the Gift Card to Buy a Prepaid Debit Card

Purchasing a prepaid debit card with the gift card and then using that to pay your credit card bill is another option.

You need to purchase a prepaid debit card with your Visa gift card.

Once you have the card, you will need to load it with money. You can do this by transferring money from your bank account or using the Visa gift card to load the card.

After loading the card, you can use it just like a regular debit card to pay your Chase credit card bill online.

Use the Gift Card to Buy a Store Gift Card

If you have a specific store that you want to use the gift card at, you can always purchase a store gift card available at every major retailer such as Walmart with the Visa gift card and then use that to pay your Chase credit card bill.

After getting the store gift card, you can use it to pay for your purchase at the store, or you can use it to pay your Chase credit card bill online.

Should You Use a Visa Gift Card to Pay a Chase Credit Card?

It depends on your circumstancesWhile you can pay your credit card bill using a Visa gift card, you cannot make the payments directly as it would result in kiting.

There are kiting laws in place that prohibit the use of gift cards to pay credit card bills.

Kiting is the practice of using one credit card to pay another credit card bill to float funds. This is considered fraud and can result in criminal charges. You could be subject to jail time, fines, and a damaged credit score if you are caught kiting.

The best option, therefore, is to use the methods listed above to avoid breaking any laws.

Additionally, using a Visa gift card to pay your Chase credit card can be expensive. Most gift cards charge a fee of around 3% of the total balance. So if you have a $1,000 balance, you could be charged a fee of $30 just to use the gift card.

And finally, you need to be careful about using the gift card. If you use the gift card to purchase a money order or a prepaid debit card, keep track of the balance.

You don’t want to have a negative balance on the card because you will be responsible for paying that off.

Why Can’t You Pay a Chase Credit Card With a Gift Card?

There are a few reasons why you might not be able to pay your Chase credit card with a gift card. The first reason is that kiting is illegal.

As explained above, kiting is using one credit card to pay another credit card bill to float funds.

In addition to this, some Chase credit cards don’t allow you to make payments with gift cards. This is because Chase views gift cards as a form of cash advance. Cash advances are transactions that allow you to access cash from your credit card.

These transactions come with high fees and interest rates, so Chase doesn’t want you to use them to pay your credit card bill.

Final Thoughts 

You cannot make direct credit card bill payments with a gift card, but there are a few workaround methods you can use. Whether you should use your gift card to pay your credit card bill depends on your circumstances.

However, you cannot directly pay your bill with a gift card without incurring fees. And finally, be careful about kiting – it’s illegal and can result in criminal charges.