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Originally Posted by 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
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Agree with Jenney -- skip the Skip a Payment option. You don't get to skip the interest that accrues while you're not paying.
If you have a good payment record but have one late payment, call the credit card company and give your sob story. If you have a history of paying on time, they
may reverse the late fee. It does happen. You have nothing to lose by asking.