The average cost of relocation within your state is up to $2,500, while an intrastate move costs $5,700 or more.
So, if you're planning a move, you might be asking yourself the question “can you pay movers with a credit card?” The answer is yes, but keep in mind that not all moving companies accept credit cards as payment.
This blog will look at the benefits and drawbacks of paying movers with a credit card, as well as some tips for making the most of this payment method.
Advantages of Paying Movers with a Credit Card
Moving can be a stressful experience, but it doesn't have to be. Paying movers with a credit card can help make the process smoother and simpler. There are several advantages to paying moving companies with a credit card, including:
Convenience
Paying with a credit card is often more convenient than paying with cash or a check. When you're moving, you have a lot of things to think about. Thus, you don't want to worry about carrying around large sums of money. With a credit card, you can make payments quickly and easily, without having to worry about having the exact amount of cash on hand.
In addition, paying with a credit card can be more convenient for your movers as well. When you pay with a credit card, the moving company won’t have to worry about making a trip to the bank to deposit your payment.
Rewards
If you have a credit card that offers cashback or other rewards. It can be a great way to earn some extra benefits by using it to pay movers. This can add up to significant rewards, especially if you're long-distance moving or have a lot of items to transport.
Protection
When you pay with a credit card, you have additional protection from the credit card company. Unlike cash movers, if there's a dispute with the moving company or you're not satisfied with the services provided, you can dispute the charge with your credit card company and potentially receive a refund.
Flexibility
Paying with a credit card can give you more flexibility in terms of payment options. If you're on a tight budget, paying with a credit card can allow you to pay moving companies with payment plans.
For example, Oncue movers allow clients to spread out the cost of moving expenses over several months. Their Oncue credit card helps achieve this instead of paying a lump sum upfront.
In addition, if you're moving for work or for other reasons that involve reimbursement, using your credit card to pay for movers makes it easier to keep track of your expenses. This is because you'll have a record of your payment that you can use to submit for reimbursement.
Disadvantages of Paying Movers with a Credit Card
While there are some clear advantages to paying movers with a credit card, there are also some potential drawbacks to consider. Before you decide to pay your movers with a credit card, it is important to understand the potential disadvantages that come along with this payment method. They include:
Fees
Depending on your credit card issuer, you may be subject to a transaction fee when you use your credit card. Transaction fees are typically a percentage of the total amount you're paying.
For example, if you're paying $3,000 for your move and your credit card issuer charges a 3% transaction fee. Thus, you'll end up paying an extra $90 in fees. While this may not seem like a significant amount, it can add up quickly, especially if you're using your credit card to pay for other expenses related to your move.
In addition to transaction fees, you may also be subject to other fees. This can include foreign transaction fees if you're moving internationally, or cash advance fees if you're using your credit card to withdraw cash to pay your movers.
Interest Charges
Another potential disadvantage of using a credit card to pay for your move is the possibility of interest charges. If you're not able to pay off your credit card balance in full when the payment is due, you'll be charged interest on the remaining balance. Interest charges can add up quickly, especially if you have a high credit card balance or a high-interest rate.
For example, if you're paying 15% interest on a $3,000 credit card balance. It could take you over 3 years to pay off the balance if you’re only able to make the minimum payment each month. As a result, you'll end up paying an extra $1,000 in interest charges.
Payment Processing Delays
Depending on the payment processing time of your credit card company. It may take several days or even weeks for the payment to clear. This could delay the timing of your move, especially if you need to pay movers before they unload and unpack.
Tips for Paying Movers with a Credit Card
We want your move to be a swift and stress-free as possible. If you decide to pay movers with a credit card, there are a few tips to keep in mind. They include:
Choose the Right Card
When paying movers with a credit card, it's important to choose the right card for your needs. Look for a credit card that offers rewards, such as cashback or travel points. This can help offset any fees or charges associated with using your credit card to make the payment.
Additionally, make sure your credit card has a high enough credit limit to cover the cost of your move. You may also want to consider a credit card with a 0% introductory APR on purchases. As a result, this can give you more time to pay off the balance without accruing interest charges.
Understand Charges
To avoid any surprises, ensure you understand the terms and conditions of your credit card. This includes any fees or charges that may apply.
If your credit card charges a transaction fee, you may be able to negotiate with your moving company to have them absorb the cost. Alternatively, you may be able to find a credit card that doesn't charge transaction fees.
To avoid interest charges, make sure you pay off your credit card balance in full each month. If you're not able to do this, explore other payment options. This includes a personal loan or a payment plan with your moving company.
Protect Your Personal and Financial Information
Paying movers with a credit card requires you to provide your personal and financial information. This includes your name, address, credit card number, and expiration date. To protect your information from fraud or identity theft, make sure you're using a secure website or payment portal.
Look for a lock icon or "https" in the URL to indicate that the website is secure. Additionally, avoid using public Wi-Fi or other unsecured networks when making your payment. They can put your information at risk.
Keep Records and Documentation
When you pay your movers with a credit card, make sure you keep detailed records and documentation of the transaction. Save your receipt, invoice, or confirmation email, and make a note of the date and amount of the payment. This can be helpful if there are any disputes or issues with your payment or if you need to provide documentation for tax or accounting purposes.
Paying Movers with a Credit Card FAQs
With so many costs to consider, it is important to understand the different payment options available when hiring movers. Below are frequently asked questions answered to make sure you get the best deal possible.
How Do You Pay Movers?
There are several ways to pay movers, including cash, check, or credit card. Some moving companies may also accept other forms of payment, such as PayPal or online payment platforms.
The payment method will depend on the policies of the moving company and your personal preferences. Make sure to confirm options payable to the moving company in advance and have payment ready on the day of the move.
How Much Do You Tip Movers?
So, how much do you tip a mover? As a general rule of thumb, you should be prepared to tip 20% of the total move value for large or long-distance moves. You can tip between 15% to 20% for a smaller or medium-sized move, learn more about how much do you tip movers.
Do You Pay Movers Before or After?
It depends on the policies of the moving company you are working with. Some moving companies may require a deposit upfront or ask for payment in full before the move, while others may allow you to pay after the move is complete. Make sure to clarify payment terms and expectations with your moving company before the move to avoid any misunderstandings.
Do Moving Companies Take Credit Cards?
Many moving companies do accept credit cards as a form of payment. However, it ultimately depends on the policies of the specific moving company you are working with.
Do Moving Companies Require a Deposit?
Many moving companies do require a deposit to secure your moving date and time. The deposit amount may vary depending on the moving company's policies and the size and complexity of your move.
Final Word: Can You Pay Movers with a Credit Card?
Paying movers with a credit card can be a convenient, flexible option that offers additional protections. However, it's important to weigh the potential fees and drawbacks before making a decision. By doing your research and following some simple tips, you can make the most of this payment option and ensure a smooth, stress-free move.
If you have more questions like “can you pay movers with a credit card”, contact Experia Moving to learn more. Our experts will gladly provide you with any additional information you require to begin your move!
