User: How do I pay off a credit card from a different bank account with a different bank?
Assistant: Paying off a credit card from a bank account that is held at a different bank is a common process and can usually be done through several methods:

1. **Online Bill Pay:**
   - Log in to your online banking account where you hold your savings or checking account.
   - Navigate to the bill pay section.
   - Set up your credit card as a new payee using the billing address and your credit card account number.
   - Enter the amount you wish to pay and schedule the payment. This will electronically transfer funds from your bank account to your credit card issuer.

2. **Direct Debit:**
   - Some credit card companies offer the option to set up a direct debit from a different bank account.
   - Contact your credit card customer service or log into your credit card account online.
   - Provide them with your bank account details (account and routing numbers) and authorize them to debit the amount from your bank account. You can usually set up automatic payments for the minimum amount due, the statement balance, or an amount of your choice.

3. **Electronic Funds Transfer (EFT):**
   - You can initiate an EFT from your bank account to your credit card account.
   - Use your bank's online platform or app to set up the transfer if the option is available. You’ll need the credit card company’s bank details, which can typically be found on your credit card statement.

4. **Phone Payment:**
   - Call the customer service number on the back of your credit card.
   - Use their automated system or speak with a representative to make a payment from your bank account. Have your bank account details ready.

5. **Mail a Check:**
   - If you prefer more traditional methods, you can write a check from your bank account and mail it to the credit card payment address provided on your billing statement.
   - Ensure you include the payment slip if required, and note your credit card number on the check to apply the payment to your account correctly.

Remember to allow sufficient time for the payment to process to avoid any late fees, especially when using methods like mailing a check, which can take several days to clear
User: So would the account number be the credit card number and the bsb be the bank that gave me the credit card? For example bank west in australia
Assistant: In Australia, when you're setting up payments to pay off a credit card from a different bank account, you typically need to provide specific details for the transaction. Here’s how it generally works:

1. **Account Number:** 
   - For credit card payments, the account number is usually your credit card number. This ensures the payment is applied to the correct account.

2. **BSB (Bank/State/Branch) Number:**
   - The BSB is a six-digit number that identifies the bank and branch where your credit card account is held. 
   - You’ll use the BSB number associated with the credit card issuer's bank account. This information is typically available on your billing statement or the credit card issuer’s website.

3. **Setting Up the Payment:**
   - In your bank’s online banking or bill pay system, you’ll enter the credit card issuer’s BSB and the credit card number as the account number.
   - Some banks in Australia also require you to set up the credit card issuer as a "bill payee," selecting the correct company from a list they provide.

4. **Verification:**
   - Make sure to double-check all details before confirming the transaction, as incorrect information can lead to failed payments or delays.

If you have specific questions about your credit card with Bankwest or any other issuer, it might be a good idea to contact their customer service to confirm the exact details required for making payments. Also, many banks and credit card companies offer detailed online guides on their websites that can provide you step-by-step instructions tailored to their system.
User: What is the difference between paying off a statement balance vs an account balance?
Assistant: