Jeffery

National Grid Bill Pay – How Do I Pay My National Grid Bill?

October 16, 2019 by Jeffery Leave a Comment

You have at least 4 options in terms of how you can pay your National Grid bills: online, by phone, by mail and in person.

How can I pay my National Grid bill online?

There are 2 ways in which you can pay your National Grid bill online: directly on the National Grid website (using a bank account), or on Western Union’s SpeedPay portal (using a credit card or debit card).

To pay your National Grid bill directly on the National Grid website (using a bank account) follow these 4 steps:

Go to the National Grid (US) website by keying in its address — nationalgridus.com – into your browser.
Once you are at the National Grid website, click on the ‘Pay Your Bill’ link, which is to be found towards the top right hand corner, adjacent to the ‘Sign in/Register’ link.
On the bill payments page that you are taken to, click on the ‘Make a Payment/Enroll’ button which is under the ‘Pay by Bank Account’ section.
You may then be required to specify the state and region you are in, as well as whether you are a domestic or business consumer. You will eventually get to a screen where, after entering your email address and password, and clicking on the ‘Sign In’ button, you will be logged in. Then after logging in, enter the required details to complete the transaction. The required details here would be mostly about the amount you wish to pay and the bank account you wish to have the National Grid bill payment funds to be drawn from.

To pay your National Grid bill using a debit card or credit card (via Western Union’s SpeedPay portal), follow these 4 steps:

Go to the National Grid (US) website, by entering its address — nationalgridus.com – into your browser.
Upon getting to the National Grid website, click on the green-colored ‘Pay Your Bill’ button, which is to be found towards the top right hand corner.
On the National Grid bill payments screen you are taken to, click on the ‘Go to Speedpay’ button, which is to be found under the ‘Pay by Credit/Debit Card’ section.
Then on the portal you are taken to, enter the required details, to complete the payment.

National Grid bill pay phone number – How do I pay my National Grid bill by phone?

The National Grid bill pay phone number is 1-800-642-4272.

So to pay your National Grid bill by phone, you need to follow these 3 steps:

Dial 1-800-642-4272 on your phone.
When prompted, specify that you wish to pay a bill.
Then provide the required details, including the 10-digit National Grid account number, to complete the transaction.

National Grid bill pay address – How do I pay my National Grid bill by mail?

The National Grid bill pay address is:
National Grid P.O. Box 11742
Newark, NJ 07101-4742

So to make a National Grid bill payment by mail, you need to write a check with the payee as ‘National Grid’. Then mail the check to:

National Grid P.O. Box 11742
Newark, NJ 07101-4742

Where can I pay my National Grid bill in person?

There are 2 types of places where you can pay your National Grid bill in person: at National Grid locations or at authorized National Grid payment locations.

So all you have to do is identify a National Grid location (or an authorized National Grid payment outlet), venture inside and state that you wish to pay a bill. You would then be assisted through the rest of the transaction.

Link(s) to help you

National Grid bill pay help: https://www.nationalgridus.com/account/waystopay/

Difference Between Cashier’s Check and a Personal Check

October 11, 2019 by Jeffery Leave a Comment

A cashiers check differs from a personal check in several ways. Those include in terms of perceived safety, the underlying guarantee, clearance time, cost and appearance.

Perceived safety

One principal difference between a cashier’s check and a personal check is in terms of ‘safety’. As long as it is genuine [not forged], a cashier’s check is perceived to be safer (on the part of the person being paid through it) than a personal check. That is because a cashier’s check is guaranteed by the (issuing) bank’s own funds. It is drawn against the funds in the bank’s own account. It is unlike a personal check, which is simply supposed to be backed by the funds in the drawer’s account, and which can therefore only be accepted on ‘good faith’ basis.

With a personal check there is always the possibility, however remote, of the drawer’s account not having enough money to cover the amount indicated on the check. So there is always the possibility of the check ‘bouncing’, due to inadequate funds. A person with only $200 in his account can very well write (and issue to another fellow) a personal check for $5,000. The person to whom such a check is issued would only get to know that the drawer doesn’t have enough funds upon depositing the check. By then, it may be too late…

Underlying guarantee

This is related to the issue of ‘perceived safety’ covered above. With a cashier’s check, the guarantee is much stronger. This is because the cashier’s check is actually not drawn/written by a person/an individual. It is drawn by a bank, and it is rather unlikely that a bank would issue a bouncing check. In other words, it is unlikely that a check drawn by a bank would bounce on account of things like inadequate funds in the (bank’s own) account. So with a cashier’s check, the bank is the ‘drawer’ of the check. The actual work of writing the check is done by an officer of the bank — a cashier — hence the name ‘cashier’s check’.

The bank first receives money from the person who wants to make a payment using a cashier’s check. The bank then deposits that money into its own account. Alternatively, if the person seeking to get a cashier’s check is an accountholder, an amount equivalent to the check value is frozen in his account. That, in effect, is as good as having the funds transferred from the check purchaser’s account to the bank’s own account.

Then the bank (through its ‘cashier’) proceeds to write a check for that amount. The person who receives the check knows that there is certainty of getting the money, because the money is in the banking institution’s own account. This is definitely different from a personal check. The process of issuing a personal check simply entails the drawer picking his checkbook, filling in the payee and amount details, then plucking out the check leaf and handing it to the recipient/payee! There is no knowing whether the drawer’s account actually has enough money to cover the amount indicated on the check. Quite often, it turns out that the amount of money in the drawer’s account is less than what is indicated on the check. So the check bounces – yet by that time, the payee (check recipient) may already have parted with his goods or services… That, by the way, is why some businesses insist on cashier’s checks for certain transactions.

Check clearance time

Another importance difference between cashier’s checks and personal checks is in terms of the time it takes for the money to become available to the payee. So you find that the funds in the cashier’s check tend to become available to the payees much faster than the funds in a personal check. In most cases, there is actually a ‘next day’ availability rule for amounts below $5,000. On the other hand, it can take quite a few days before the payee actually lays his hands on the funds from a personal check.

Check cost

A cashier’s check will typically tend to cost more than a personal check. Look at it this way: a personal check is simply an instruction for the bank to draw funds from drawer’s (issuer’s) account and then pay the funds to the payee (recipient). Personal checks are mass produced, bound into check books, and handed to account-holders at what translates into a negligible cost per check leaf.

On the other hand, a single cashier’s check is a unique document, meant to be purchased after a special arrangement. A cashier’s check purchase entails a bank getting actual funds from the check drawer, depositing the funds into its own account, then issuing a check for that amount… So it is a more sophisticated service, for which there is a fee to be paid: hence the higher cost of a cashier’s check.

You also have to appreciate that a cashier’s check is typically a high security document, with all manner of security features: hence its higher cost.

Check appearance

At a most basic level, there is (prominent) text on the cashier’s check, clearly indicating that it is a ‘cashier’s check’. This is usually very conspicuous, on the check’s front side (face). So if someone hands you a ‘check’ on which the words ‘cashier’s check’ are not clearly indicated, then you know that the paper is anything else but a cashier’s check. A personal check on the other hand has no such special identification. On a personal check, you will only tend to find the name and address of the drawer, the bank’s name, date and instructions for the bank to pay ‘to the order of’ X or Y amount. There is usually no text stating that it is a personal check. You know that it is a personal check just by looking at it. But with a cashier’s check, there is prominent text actually stating that it is a cashier’s check.

Bank of America Credit Card Payment – How Can I Pay Bank of America Credit Card?

October 10, 2019 by Jeffery Leave a Comment

There are at least 5 ways in which you can pay your Bank of America credit card bill: online, by phone, by mail, through the app and at an ATM.

How can I pay my Bank of America credit card online?

To pay your Bank of America credit card online, you need to follow these 3 steps:

Go to the Bank of America website, by keying its address (bankofamerica.com) into your browser.
Once you are at the Bank of America website, click on the ‘Login’ button, which is to be found towards the top right hand corner. Then enter your online ID and passcode into he respective spaces to sign in. If you don’t have an online ID and passcode with which to sign in/if it is the first time you are trying to use Bank of America’s online banking, click on the ‘Enroll’ link (which is to be found somewhere below the ‘Sign In’ button). Then provide the required information to enroll for Bank of America online banking. Having enrolled for online banking, you can proceed to sign in.
After signing into the Bank of America online banking system, click to indicate that you wish to make a credit card payment. Then provide the required details (mainly about payment amount and payment method) to complete the transaction.

Bank of America credit card payment by phone

To make a Bank of America credit card payment by phone, follow these 3 steps:

Dial 1-800-236-6497.
When prompted, specify that you wish to make a credit card payment.
Provide the required details to complete the transaction.

Bank of America credit card payment address – how to pay your Bank of America credit card by mail

The Bank of America credit card payment address for consumer credit cards is:

PO Box 15019
Wilmington, DE 19850-5019

The Bank of America credit card payment address for business credit cards is:

Bank of America Business Card
PO Box 15710
Wilmington, DE 19850-5710

The Bank of America credit card payment address to use for overnight delivery of consumer credit card payments is:

Bank of America
Attn: Payment Processing
DE5-023-03-02
900 Samoset Drive
Newark, DE 19713

Bank of America credit card payment app – how to pay your Bank of America credit card using the app

To make a Bank of America credit card payment using the app, follow these 3 steps:

Launch the Bank of America online banking app. Then sign in to the app.
After signing into the Bank of America online banking app, click to indicate that you wish to make a payment.
Provide the required details (mainly on payment amount and payment method) to complete the transaction.

Bank of America credit card payment at ATM

To make a Bank of America credit card payment at an ATM, follow these 3 steps:

Insert your credit card into the ATM.
From the ATM’s menu, select the ‘make a payment’ option.
Provide the required details/follow the instructions on screen to complete the transaction.

Links to help you:

Bank of America credit card payments help:

https://www.bankofamerica.com/credit-cards/credit-card-payments-statements-faq/

Chase Credit Card Application – How do I Apply for Chase Credit Card?

October 8, 2019 by Jeffery Leave a Comment

To apply for a Chase credit card, you need to follow these 3 simple steps:

Go to the Chase credit cards finder page, by entering its address (creditcards.chase.com) into your browser.
Once you are at the Chase credit cards finder page, browse through the various credit cards that are on offer. To get more information about any of the Chase credit cards that are on offer, click on the green-colored ‘Learn More’ button below it.
When you finally find a Chase credit card that is right for you, click on the ‘Apply Now’ button for that particular card. Then fill in the credit card’s application form in the screen you are taken to. If your application is successful, you will soon get hold of the Chase credit card you applied for.

Chase credit card application status – how to check the status of your Chase credit card application

After applying for a Chase credit card, you may want to check whether your application was a success or not. This is likely to be the case if the last message you got was that your application was ‘pending review’. So it would mean that you have to keep on checking whether the Chase credit card application was ultimately a success or not.

Now while filling in the Chase credit card application form, you will have entered your address at some point. This is the address to which Chase may send a letter to you. If your application was denied, you will get a letter with feedback on why your Chase credit card application was denied. If you got approved, you will receive the credit card in the mail. You could therefore wait for a letter in the mail, with information on the status of your Chase credit card application.

Further, while filling in the Chase credit card application form, you will have entered your email address at some point. This is the address to which Chase may send an email, with feedback on whether your credit card application was a success or not. If it was a success, the email will also tell you what your credit limit is.

How to check Chase credit card application status online

If you are already a Chase customer, you can check the Chase credit card application status online. Just sign in to the Chase online banking platform, click on the menu icon (which is to be found towards the top left hand corner) and from the menu options that appear, click on ‘application status’. You would then be taken to a screen where you would get to view the status of any Chase credit card applications you have made.

How to check Chase credit card application status by phone

This would entail dialing 1-800-432-3117 if what you applied for is a Chase personal credit card. Then, when prompted, specify that you are seeking application help. Go further and specify that you wish to check the status of a Chase credit card application you had made. You may then get to know your application status: which would be successful, declined or still pending review.

If what you applied for is a Chase business credit card, the number to dial would be 1-888-269-8690. Then, when prompted, specify that what you are seeking is application help. Go further and specify that you wish to check the status of a Chase credit card application you made. You may then have a chance to know what the status of your application is – whether it was successful, declined or still pending review.

You can read about how to respond to Capital One mail offer

getmyoffer.capitalone.com – How to Respond to Capital One Mail Offer

September 9, 2019 by Jeffery Leave a Comment

To respond to a Capital One mail offer, follow these 3 steps:

Go to the mail offers page on the Capital One website, by entering its address (getmyoffer.capitalone.com) into your browser.
Once you are at the mail offers page on the Capital One website, as required, enter the 16-digit reservation number into the space meant for it. Then enter the 6-digt access code into the space meant for it. Both numbers are to be found on the offer letter.
Having entered the reservation number and access code into the respective spaces, click on the ‘Get Started’ button or hit the ‘enter’ key on your keyboard. You will then be taken to the actual application, which you will be required to fill in so as to eventually acquire a Capital One credit card.

Capital One reservation number – how to locate the Capital One reservation number on your offer letter

The Capital One reservation number is to be found on the bottom portion of the offer letter. So you just need to get hold of the Capital One offer letter that was sent to you by mail, and check the bottom section of it — where you are bound to find the reservation code. It is a 16-digit number, typically with the digits separated by hyphens.

What you are required to do is to take note of the reservation number, and enter it (just as it appears) in the space meant for it at getmyoffer.capitalone.com. As you enter the digits, the system should automatically put the hyphens where they are supposed to be.

Capital One access code – how to locate the Capital One access code on your offer letter

The Capital One access code is to be found on the bottom portion of your offer letter, just below the reservation number. The moment you locate the reservation number on the offer letter, check just below it, and you are bound to find the access code. It is a 6-digit code, and unlike the reservation number, the digits that make it up are not separated by hyphens.

What if you didn’t receive a mail offer?

It is still possible for you to apply for a Capital One credit card without a mail offer. If you wish to use that route (of applying for a Capital One credit card without a mail offer), follow these 3 steps:

Go to the mail offers page on the Capital One website, by entering its address (getmyoffer.capitalone.com) into your browser.
Once you are at the mail offers page on the Capital One website, scroll to the very bottom end. As you approach the bottom end of the page, you will see where it says ‘’I didn’t receive a mail offer’’ and within that section is a link that says ‘See if you are pre-qualified’. So click on that link.
On the screen you are taken to, fill in the required information. The system will then tell you whether you are eligible for a Capital One personal credit card, after which you can proceed to apply.