By Mohammed Waseem
Paying bills on time is something most people are cautious about, due to the late fees applicable if due dates are missed. They carefully save money for due bills in order to avoid running out of budget. What if some money could be saved and in fact, returned to us for using a particular bill payment service? The famous card company, Discover has a bill payment service with 1% cash back offer.
While paying the bills, if some amount can be saved, it is a good option. Supposing the bills paid amount to $2000 in the year, the cash back bonus will be $20. More, Motiva and Open Road card members earn 0.25% cash back Bonus on the first $3000 paid and 1% for amount after $3000.
The cash back bonus can be redeemed for cash as direct deposit into a bank account of choice or as credit in the Discover credit card account. The bonus can also be used to pay online, credited to partner gift cards or discover gift cards or donated to charitable organizations.
Discover supports many billers in many industries including insurance, cable/satellite TV, security, internet and wireless. They also provide contact details for each biller, in case customers need to contact them for any reason. For paying a bill, customers need the paper bill or e-bill and the Discover card. The biller has to be searched for and selected and automatic bill payments registered online or by phone with the billers.
Bills can also be paid manually by logging into the Account Center. Unregistered users should first register for starting to pay bills with Discover. Up to two online payments are allowed using different bank accounts. The maximum number of bank accounts that can be connected with Discover is 9.
The interesting part of Discover is that even if one pays the bill on the due date, before 5 PM Eastern Time, the payment is delivered on the same day. But late fees may be applicable in case the payment was made after the time. For those who do not want to opt for same day payments, scheduling has to be done in advance to avoid missing the due date; this is to avoid delays on part of other parties involved in the process, such as banks.
The bill pay service is free of cost for all Discover card holders. Apart from online payments, customers can opt to pay from Western Union and few other retail outlets, or pay by check by sending the check to Discover. Online transactions with Discover are safe, as the users are protected with the $0 Fraud Liability Guarantee.