How to Manage Changing Credit Cards Easily?

quarter444 on 04/03/2022 - 20:26
Last edited 04/03/2022 - 23:46 by 1 other user

Hi

I set up recurring payments (e.g. health insurance) on my credit cards and then will switch cards every ~1year for points.

I was wondering if people had strategies on how to easily change payment details to a new card. Each time I'm looking over statements hoping I catch them all.

How do other people manage this?

Is there a service that does this for you? E.g. you tell it to pay for your recurring bills and then which credit card to use after for that payment?

Thanks

• 

  desty on 04/03/2022 - 20:43

  Subscribed!
  Curious to see if there’s anything better than the method I use which is making a list in notepad (which always seems to grow)

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  John Kimble on 04/03/2022 - 20:49

  +1

  https://www.ozbargain.com.au/node/515029

  • 

    Neoika on 04/03/2022 - 21:49

    +1

    Add one more, Bundll MC to pay everything, various CCs to pay off Bundll. VFF can be earned via Bundll, but at a low rate.

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  RM on 04/03/2022 - 21:39

  +2

  PayPal - register one card for all direct debits. And when the card changes - just change it on PayPal…

  • 

    desty on 04/03/2022 - 22:14

    +1

    I’m yet to have a utility bill that I can pay through direct debit with PayPal? Or any insurances either that I can think of. Am I missing something, is there a round about way of doing it or..?

    • 

      John Kimble on 05/03/2022 - 07:15

      AGL does

    • 

      mskeggs on 05/03/2022 - 08:34

      Sydney Water too.

      • 

        desty on 05/03/2022 - 08:40

        Thanks folks. Pretty small list so far though especially if you rotate through providers yearly to get the best deal.

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  Mokr on 04/03/2022 - 22:35

  +3

  Spreadsheet

  • 

    ozbargainsam on 05/03/2022 - 07:33

    This.

    Sniip et al aside (since it has fees), and until everyone accepts PayPal, you just keep a list in a sheet and iterate through them each card change.

    I churn ~5 cards a year and my sheet tracks anywhere the card is stored for DD or online payments. Name of the service, which card, and a link to the portal to change it. That and keeping your passwords in a password manager makes it all a breeze - 15 minutes on a weekend.

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  ausdday on 04/03/2022 - 22:58

  +3

  1 no annual fees card for direct debit stuffs.(not much)

  The rest on churning card.

  Happy to sacrifice some points for convenience.

  • 

    SBOB on 05/03/2022 - 07:14

    Same
    Citibank platinum (or whatever it was) free for life card is where all my usual bills go.
    Churn card is for everything else (when churning cards)

  • 

    donbot on 05/03/2022 - 09:20

    This. Keep one stable free card for direct debits (mine is CBA ultimate as can put $2500 through it to avoid fee and still get some rewards), then the rest on churn and burn

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  Aureus on 06/03/2022 - 16:03

  Set your bills to be paid with bundll/Zip. When you get a new card, just update your payment method.

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  Gazpacho on 08/03/2022 - 12:43

  Out of curiosity - when you swap from a more premium card to the provider's no fee credit card, do they do another credit check?

  Does it differ from provider to provider?

  Thinking of getting a premium card with bonus points (with no annual fee for the first year), then dropping down to the no fee card before the 1 year is up