l have a Dell computer credit card that is 3 months delinquent. Can l pay the whole thing off with a Visa credit card (VISA) over the phone without doing a cash advance?The collection agency is ENCORE.

Yes you should be able to.

l would strongly advise against giving any debt collection agency ur credit card #..

If Encore is calling on behalf of Dell & ur card has not been charged-off yet, then paying them might might be worth the risk to save ur credit from being damaged from a charge-off..which is a huge hit on ur credit.

If u pay them, it might be worth the extra interest charges to do a cash advance & pay them that way..as opposed to directly giving them ur credit card #.

You have a delinquent credit card that you want to pay with a credit card? That is about the stupidest thing ever. Stop buying crap you can not afford and pay it out of your income.

Yes you can, now if it has gone into collection, that means the original person sold your bad contract to ENCORE. They paid pennies on the dollar for your bad loan. Ask this, if l pay today, will you take half of what l owe? Get something in writing so they wo not come after you for more.

You can. To pay off the visa, you can take a home equity loan, to pay that, you can go pawn your title place, to pay that you can go to payday loans. To pay that, you take a cash advance in your card.

But to pay all that you will have to get organized. You're going to need a new computer, which you can finance with a Dell credit card.

Yes you can and you can post date a credit card payment to the collection agency too. l own a collection agency and that is how we do it.