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Did you know that some credit card issuers purposely send their customer bills out so late within the billing cycle that you would literally need to submit payment the day the bill arrives to be able to have any chance at getting the payment in promptly? It's a tactic that many from the companies use to increase how much money they earn off their customers about the late fees. You can avoid paying unnecessary late fees in a number of ways. Don't credit card companies make enough you off the interest rates? Check your statement carefully each month to ensure you're not being charged late costs, even if you're confident you're mailing your instalments out on time. Make Your Payments OnlineAlmost every credit card company gives you a chance to make payments online. This will help you save extensive time. Considering the fact that an cover sent through regular postal mail can take 2 to 3 days in transport, and then another five to 7 days to be processed (and have the payment put
on your account) by your credit card company- it is a wonder any payment makes it for your requirements on time! Making a payment online is usually processed within 1 business day associated with hitting "Submit", sometimes sooner. Schedule Automated Payments With Automatic Bank WithdrawalsAdditionally, you are able to often set your account up to automatically receive money through your checking account on a specified date every month. If your credit card company does not offer it, your banking institution might have a bill pay feature you should use. Just select a date a couple of days before the bill is due, and allow credit card company draft your bank account for the payment. You will not have your payment applied after the deadline and therefore eliminate all potential past due fees. Have it Ready to Proceed! If you aren't comfortable with producing payments online, and you don't like the thought of giving your credit card company use of your checking account to "pay t
hemselves"; you can still beat the program and play the credit card game to prevent late fees. You know how much your minimum payment is every month and that it's typically do exactly the same day each month. Have your check or money order prepared to mail out, or get in the habit of writing it out as soon as you receive your statement. Make sure the payment is sent by mail out the very next day and you ought to never receive a late payment. How to Handle the Dreaded Late FeesIf you do happen to obtain a late fee, often if you call and request these phones waive it for you, they will (provided you do not make a habit of it). They will probably remind you to mail your payment out a minimum of 10 days before it is due due to the postal time and then the company's own processing time- so make sure to tell them you mailed it out well prior to the due date. If you honestly feel that you're giving your payments enough time to get at the company and you are still receiving late fee
s in your account, you might consider mailing your statement having a return receipt or certified mail. By doing this, you'll have a record of when it had been mailed and when it was received which can serve as your "alibi" and save you from spending a late fee (or give you leverage to using a late fee removed if you ought to be added! )
This article is thanks to Creditorweb. com, where one can compare credit card offers including business credit score cards and apply for any credit card online.
View this post on my blog: http://creditcard.valuegov.com/playing-the-credit-card-game-avoiding-late-fees/
on your account) by your credit card company- it is a wonder any payment makes it for your requirements on time! Making a payment online is usually processed within 1 business day associated with hitting "Submit", sometimes sooner. Schedule Automated Payments With Automatic Bank WithdrawalsAdditionally, you are able to often set your account up to automatically receive money through your checking account on a specified date every month. If your credit card company does not offer it, your banking institution might have a bill pay feature you should use. Just select a date a couple of days before the bill is due, and allow credit card company draft your bank account for the payment. You will not have your payment applied after the deadline and therefore eliminate all potential past due fees. Have it Ready to Proceed! If you aren't comfortable with producing payments online, and you don't like the thought of giving your credit card company use of your checking account to "pay t
hemselves"; you can still beat the program and play the credit card game to prevent late fees. You know how much your minimum payment is every month and that it's typically do exactly the same day each month. Have your check or money order prepared to mail out, or get in the habit of writing it out as soon as you receive your statement. Make sure the payment is sent by mail out the very next day and you ought to never receive a late payment. How to Handle the Dreaded Late FeesIf you do happen to obtain a late fee, often if you call and request these phones waive it for you, they will (provided you do not make a habit of it). They will probably remind you to mail your payment out a minimum of 10 days before it is due due to the postal time and then the company's own processing time- so make sure to tell them you mailed it out well prior to the due date. If you honestly feel that you're giving your payments enough time to get at the company and you are still receiving late fee
s in your account, you might consider mailing your statement having a return receipt or certified mail. By doing this, you'll have a record of when it had been mailed and when it was received which can serve as your "alibi" and save you from spending a late fee (or give you leverage to using a late fee removed if you ought to be added! )
This article is thanks to Creditorweb. com, where one can compare credit card offers including business credit score cards and apply for any credit card online.
View this post on my blog: http://creditcard.valuegov.com/playing-the-credit-card-game-avoiding-late-fees/
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