Discussions

People ask about paying a mortgage with a credit card like it’s a clever hack, but banks designed the system to make that as difficult as possible. Direct payments are usually blocked, and the only way around it is by using third-party services that charge high processing fees. By the time the transaction goes through, whatever rewards or cashback you were trying to chase have already been eaten up. There’s a full breakdown here that explains why it rarely works in your favor: https://consumerattorneys.com/article/can-you-pay-a-mortgage-with-a-credit-card. It makes more sense financially to focus on fixing credit reports and lowering interest rates rather than forcing plastic into a place it was never meant to go.