Not every mortgage lender allows customers to pay their monthly payments using a credit card. Those that do will likely add a transaction fee to the bill that equals a percentage of the amount you’re charging. In some cases, that can increase your bill by $50 or more. If you don’t pay that debt off by the end of your next billing cycle, the interest charges can add even more to the expense. You may have to go through a third-party service to pay your mortgage with a credit card, and you’ll be charged hefty fees for the convenience. Even if your lender doesn’t accept credit cards as payment for your monthly mortgage bill, you can look at third-party services that let you make purchases using your credit card for an added fee. These companies will charge your card for the bill — plus its fee — and then send a paper check to your mortgage company for the amount of the bill. Aside from the fee that you’re charged, there’s also a processing time in which the company sends the check to your lender. This can sometimes take between seven and 10 business days to complete.