Paying off a Credit Card With Another Credit Card (Kredittkort)

Compared with other options you can find on the market, credit cards are one of the most powerful financial tools. Of course, it is vital to use them properly, which will offer you a steady cash flow, especially if you take advantage of zero percent APR or annual percentage rate for a limited time. Besides, it can help you generate discounts and cashback. 

The chances are high that you will get in over your head, meaning you will struggle to make due payments, which will affect your financial situation. Therefore, the first thing that pops up in your mind is whether you can repay your credit card bill with another credit card.

The answer is no. You cannot pay your debt with another card directly and for a good reason. Paying off more debt will take you at greater risk, especially for finances and credit score. Still, if your situation is problematic and you do not have other options, you should choose alternative methods to help you out with the process.

Therefore, you should know that cardholders cannot use another card to deal with the balance directly. The agreement specify how you can handle the balance, including by money order, check, or electronic transfer by using funds from a bank account. 

Besides, you can use other means such as balance transfers to move debt to another account with a grace period or low-interest rate. At the same time, you can take a cash advance to pay another balance, but it may not be worthwhile in the long run. 

Handling Monthly Payments

Similarly, as mentioned above, you cannot use the second card for handling monthly expenses on the first one, which is vital to remember. Most providers will limit your ability to pay balances, meaning you must draw funds from a bank account. 

This decision protects you in the long run because they wish to determine whether you can handle debts through your income.

Balance Transfer

Banks wish to know whether you can deal with the debts, but it is possible to transfer them from one account to another. We are talking about a balance transfer which is one of the ways to consolidate and handle debt. 

It is a valuable option, especially if you can get a limited-term, zero percent annual percentage rate on the amount you wish to transfer. Some credit cards will allow you this opportunity, especially after opening the account. You can also do it for existing ones, which can help you save money due to lower interest rates. 

Cash Advance

Numerous providers will offer you a cash advance option, but we recommend avoiding doing it altogether. As soon as you are short on a specific debt, you can take cash and make a special payment that will help you throughout the process. 

Generally, a cash advance is a short-term loan on your credit card. Therefore, instead of using it for purchases, you use it to borrow paper money. The credit limit is not the same for taking money compared with assets, meaning it is lower in most cases. 

At the same time, cash advances come with a higher interest rate than the standard amount, but you should check out the terms and rates with the issuer before you decide to do anything. Another disadvantage is that interest will affect your balance as soon as you take it, meaning a grace period cannot affect it altogether.

Both options depend on your current financial situation, so you should be as careful as possible. Cash advances are the most expensive transactions, so you should use them only in emergencies. At the same time, you should use a balance transfer to handle off another card, but only to avoid more significant debt than the one you wish to make. As soon as you check out this site:, you will understand how to get a credit card to meet your needs and requirements. 

Other Ways to Repay Credit Card Debt

Suppose you struggle with credit card debt, and you can choose additional options that will help you repay the amount you owe, including:

  • Debt Consolidation – Banks will allow you to get either unsecured or secured personal loans you can use for numerous things, including home maintenance, renovations, and credit card debt consolidation. That way, you can streamline all your expenses into a single one with a lower interest rate, saving you money in the long run. 
  • Snowball Method – We are talking about the popular way to handle debts, including first handling the smallest debts. As soon as you make minimum payments, you should pay the larger ones. That way, you can create a snowball effect, meaning you will freeze and get rid of funds towards the next smallest balance, which is an effective way to handle everything. 
  • Avalanche Method – On the other hand, you can choose this method to focus on repaying the debt with the highest interest rate. After making the payments, you should use the remaining funds towards the most expensive cards you own. That way, you can save more money in the long run, which will help you save and pay off further. 

Final Word

The best thing you can do is pay everything on time and plan your expenses, which will prevent potential issues such as owing plenty of money with high interest. However, if you have reached a point where you cannot handle the monthly expenses, we recommend you to take a personal loan to repay everything, which is a way better alternative than other options.