[neatdesign]

I agree with all of these strategies EXCEPT the "skip the payment" suggestion, for obvious reasons.

You're less likely to miss a payment if you arrange to pay at least the minimum amount due as soon as you get your bill. You can always pay more later on, but this will ensure you've made enough of a payment early enough to avoid any problems.

Don't wait until the due date or the day before to make your payment, even if it's online or by phone. There are just too many possible complications that could pop up. I can guarantee you that most of the time the credit card company will not show empathy over a missed payment, even if it ultimately wasn't your fault.

~ Jenney