I would like to discuss pros and cons of all payment methods one can use to pay USCIS fees.
Here's my view and understanding so far.
Credit Card
Pros:
- Can earn miles / points / cashback
- Can spread the payments (think of 0% APR intro + 10% effective cashback in the first year etc)
- You know when USCIS charges it
Cons:
- Requires a credit history and card
- Payment can be easily denied due to suspicious charge (yes, USCIS fees can be viewed as suspicious by bank IT systems) or hitting the limit. USCIS won't retry charging it.
Personal Check
Pros:
- Money stays in your account for longer. Can earn some interest on it
- You know exactly when it was cashed
- Sometimes USCIS write / stamp case number as they endorse the check. You may learn case number before you receive text message / mail / update. More relevant for forms like I-485 which can only be filed on paper as of today.
Cons:
- Requires checking account
- Requires discipline from person paying, e.g. maintaining the right balance to cover all payments and USCIS fees.
- Requires knowledge how to use it 😃
- Doesn't earn rewards
Cashier's Check
Pros:
- The fees are going to be covered for sure, since the amount is already withdrawn from bank account
Cons:
- Can be difficult or impossible to cancel, recover funds if lost or other reason
- Sometimes costs money (depending on bank and bank account)
- Not possible to know when cashed (correct if I'm wrong)
- Doesn't earn rewards
Money Order
Pros:
- Can be purchased at USPS and other places. Doesn't require bank account.
- Guarantees funds to cover fees
Cons:
- Costs money
- Depending on issuer, may be able to track / cancel etc but not always
- Doesn't earn rewards
Questions for you:
1. Did I miss any payment methods?
2. Did I miss any pros or cons for any payment method?
3. What other payment methods you wish USCIS accepted? (crypto, financing, Zelle, Venmo, Paypal, wire, etc etc)
4. What's your preferred payment method and why?
4a. If you prefer credit cards, is it because of rewards or is it because you can pay over time? Or is it because you never wrote a check?
4b. If you prefer personal check, is it because you don't have credit card? Or is it because you're worried payment may get denied? Or is it because you used to write checks? Or is it because you want to have money in account for longer?
4d. If you you prefer cashier's check, is it because you're worried your balance may not cover the fees? Any other reason?
4e. If you prefer money order, is it because you don't have a checking account? Is it because you're worried your balance may not covet the fees? Any other reason?
Please do not walk by this thread, I'd love to see a good discussion 😊