dcwilbur said:Zebano said:mhesidence said:Only "in-network" merchants will earn points on billpay. I have yet to see an in-network merchant, see my question above.I have been using billpay through my last 3 residences (changing elctric, gas & phone companies every time) and I have yet to see an in-network merchant. I imagine there must be a couple though, just so they can claim that you can get rewards by paying your bills through them.My billpay screens make no such claim. It says right at the top:

Your Bill Pay Choice service is designed to do just that - pay your bills. Bill Pay Choice transactions are not eligible to earn points.

If you go to help, you find this:

In-Network Transactions - means a bill payment made with your credit card Funding Account to a merchant which accepts credit cards through Bill Pay Choice. This transaction is a Purchase and enjoys a grace period (if any) under the terms of your Credit Card Agreement. If your credit card has a rewards or points program, your bill payments are eligible to earn rewards or points. These in-network transactions are typical credit card Purchases, unlike out-of-network transactions.

I just signed up for MBNA billpay and am surprised to notice that they don't support ebills for credit cards, though checkfree supports it. So, now, I have to either recieve bills by email from credit card companies or receive paper bills and schedule it via MBNA.

I am a new user of MBNA net access.
Please let me know if there is any charge for using its bill payment service which is praised by many users.

In there any update with "In-Network" payees? I have not seen one yet.

How about those companies that do take credit card payment but will charge you fee if you pay by credit card? If you use MBNA billpay to pay those companies, will that consider as "In-Network" ?

dcwilbur said: For example, if your telephone company takes credit cards, and you use MBNA billpay to pay the bill, you would earn points. If your telephone company does not take credit cards, you can still use MBNA billpay, but you won't earn points.
No such luck. AT&T/SBC accepts credit cards directly but are still not in-network.

I think they are trying to say that all in-network merchants take credit cards, but not that all merchants who take credit cards are in-network.

dcwilbur said:frootmall said:No such luck. AT&T/SBC accepts credit cards directly but are still not in-network.How do you know? Try making a payment to them through MBNA and let us know if it earned points.

I have paid ATT/SBC through billpay- no points (not that I care really).

PS, I did get points when I paid my health club membership, go figure.

PS again. Its a monthly auto-deduction from my card, not paid through billpay directly.

c3 said:dcwilbur said:frootmall said:No such luck. AT&T/SBC accepts credit cards directly but are still not in-network.How do you know? Try making a payment to them through MBNA and let us know if it earned points.What's the point of using Billpay when you can auto-charge through AT&T?Exactly. I only use billpay to pay merchants who do not already take credit cards and to pay balances on other credit cards (strictly for float and to consolidate nearly all bills into a single debit from checking).

c3 said:dcwilbur said:frootmall said:No such luck. AT&T/SBC accepts credit cards directly but are still not in-network.How do you know? Try making a payment to them through MBNA and let us know if it earned points.

What's the point of using Billpay when you can auto-charge through AT&T?

Whats the point of using auto-charge through ATT when you can use MBNA billpay?

iUSB said:cameron2003 said:c3 said:dcwilbur said:frootmall said:No such luck. AT&T/SBC accepts credit cards directly but are still not in-network.How do you know? Try making a payment to them through MBNA and let us know if it earned points.

What's the point of using Billpay when you can auto-charge through AT&T?

Whats the point of using auto-charge through ATT when you can use MBNA billpay?

The point is you get point using ATT auto-charge, but no point using MBNA billpay, got the point?

Oh ok, I gotcha. I will consider this, but kinda like the convenience factor.