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As the weather turns colder, UK households are bracing for higher energy bills. Government support may soften the blow, but forecasts suggest average households could face increases of 5–10% heading into winter 2025.
Why Energy Bills Are Rising
Ofgem’s latest energy price cap reflects higher wholesale prices and network costs. Even if usage stays the same, most households will see an increase from October onwards.
Managing Higher Bills Responsibly
One way to reduce the immediate pressure is to use a credit card to smooth the timing of payments, but it’s important to do this carefully.
Using Bluechain can help you:
- Spread costs across your billing cycle rather than paying everything at once
- Earn cashback or rewards on necessary household expenses
- Keep flexibility, so if rates spike, you have more control over cashflow
💡 A word of caution: Credit cards can be a useful cashflow tool, but only if used responsibly. Make sure you clear your balance in full each month to avoid interest charges, and don’t spend beyond what you can repay comfortably.
Bluechain simply makes it possible to pay bills that don’t normally accept card payments. Giving you options without encouraging debt.
FAQs
Why are UK energy bills rising in autumn 2025?
Wholesale gas and electricity costs, along with changes to the Ofgem price cap, are pushing household bills higher.
Can I pay my energy bills with a credit card?
Not directly with most suppliers, but Bluechain allows you to use your Visa or Mastercard to pay safely and earn rewards.
Is it safe to use a credit card for household bills?
Yes, as long as you pay your balance off in full each month. It can help manage timing and cashflow while keeping your finances secure.
How Bluechain Works
- Sign up to create your free Bluechain account
- Add your bills manually, or connect to Xero/Sage to pull them in automatically
- Choose how and when to pay
That’s it. We’ll charge your chosen Visa or Mastercard on the date you select, and your supplier will receive the payment by bank transfer within two working days.
Pay bills your way with Bluechain - free to set up, works with all Visa and Mastercard. Sign up today
