Payment Arrangements | Spire (2024)

FAQs

How do I lower my spire bill? ›

Therefore, in order to avoid a late charge, a disconnection notice or even a potential disconnection, you must schedule your payment to be made on or before the due date. Unless otherwise required by law, a late charge of 1.5% will be applied to all amounts remaining unpaid after the delinquent date shown on your bill.

Bill payment: pay online with a debit card, credit card or bank account. Auto Pay: a worry-free way to pay your bill with automatic monthly payments deducted from your bank account or credit/debit card. Paperless Billing: save paper by receiving bills electronically, to your email.

We'll take your average annual usage and spread it out across twelve months, and that will be your budget amount due each month.

(a) Late Fees. If any invoice for Products or Services is not paid in full within ten (10) days after the Due Date, then Customer shall also pay a late charge equal to the lesser of 1.5% of the unpaid balance of the invoice per month or the maximum lawful rate under applicable state law (“Late Fee”).

Falling behind on or missing bill payments can lead to late fees, credit score damage, and other negative financial consequences.

In general, taking advantage of your credit card's grace period won't negatively affect your credit scores. However, if you reach the end of your grace period and you still haven't paid your balance, the missed payment may be reported to the three main credit bureaus, which could then end up hurting your credit.

Your C Spire Home bill is paid each month automatically when you set up a recurring payments with a credit or debit card. Learn how to set up AutoPay for your Home bill.

What bills Cannot be paid with a credit card? ›

You generally cannot pay your mortgage, rent, auto loans, student loans, or other types of loans using a credit card. While there may be services such Plastiq that allow you to do so, the cost of using these services might exceed the total credit card rewards you earn.

Your account balance must be kept current to remain on Budget Billing. If you have a payment more than 60 days past due, you may be removed from the program. You can cancel your participation in Budget Billing anytime. When you cancel, any balance due or credit will be applied to your account.

While budget billing may not directly reduce the total amount spent on energy, it can save money in other ways. For example, it may help you avoid late payment penalties or the risk of disconnection due to missed payments.

The Budget Billing Plan payment amount may be adjusted every quarter in Months 3, 6, or 9 if there is a substantial change in the amount of electricity you use. You can also change your payment amount if you use more or less electricity than you did before.

Adding More Solar Panels to Existing System

More panels mean you capture more sunlight and convert it into electricity. This helps cover your energy usage better. Trueup bill reduction: Through expanding your solar setup, you directly cut down on how much electricity you pull from the grid.