In the pandemic, many tenants have opted for credit to pay rents. Some popular rent payment platforms such as CRED, Housing.com, MagicBricks, No Broker, offer this facility. It works just like a credit card, in which you make use of the credit facility, your landlord gets the rent on that day and customers get a free credit period of around 45 days. There are no charges for registering, except a transaction cost of 0.5-2.5 percent a month. But you must avoid taking on too much credit. Too much use of your credit cards can throw your finances into disarray. If unable to pay your rent on time, speak to your landlord. Explain your financial situation. You can always seek a moratorium instead.