Play with credit cards—avoid late fee
Some of the credit card companies purposely delay in mailing the bills to their customers leaving no chance of paying bills in time. This helps the companies to charge late fee for delayed payment and earn money. This is trick played by many credit card companies and you must have experienced by this time.
Still, there are always ways and means to avoid late fee. Though you make payment on time, make it a habit to check statement every month whether inters fee or late fee is charged ob your card account an your card.
Making payment on-line
Remember that a check for payment sent by mail may take around 7 days to reach for clearance. This will certainly pave the way for the company to charge late fee. Since most of the credit card companies facilitate on-line payment, it is always safe to pay on-line with a click of mouse on the ‘submit’ button which clears the payment within one day of business hours. It is a typical processing and note the hell of difference in the payment mode.
Schedule Automatic Banking with Automatic Withdrawals
Do you know that your bank account facilitates automatic payment on a specific date and time? You can set the account in such a way to make payment in time as soon as the bill is received, you can instruct the bank to clear the due. Even if credit card companies do not provide such option, banks might have a bill feature for you to make use of. This process will help you to eliminate late fee on the credit card account.
Have it ready to go
If you do not like the idea of giving access to your bank account for credit card companies saying ‘pay themselves’, you have another option of paying bills in time. Now, start playing game with credit card. You will almost know the payment details for every month and minimum balance to be paid. By the time billing statement reaches you, make ready check or money order. You can just fill the details as soon as you receive the bill. Make sure that the is dispatched next day to avoid late fee.
How to handle the scaring late fee
If you are confident that you are making payment in time but still late fee is charged, you may attach return receipt or opt for a certified mail. So that, you can keep a record of events when it was dispatched and when it was received by the company. By maintaining such helpful record, you can call the company representative and can prove the fact of paying the bills in time. This record building will be helpful as ‘alibi’ to avoid late fee and request for removal of late fee.
Further related information regarding fee credit card and Apr Credit Card
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