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Originally Posted by disneysteve
I don't really have any problem with the OP (except for the skip a payment method). However, I think the answer to the question of how to avoid CC late fees could have been written much shorter: Pay your bill on time. That's it. Very simple. I've had a credit card since about 1982 and have NEVER paid a single late fee. Why? Because I pay the bill each month when it comes. I used to do it by writing and mailing a check. Then I switched to online banking. Never had a problem. If the CC company changes the due date, I don't even notice. I open the statement, make sure it is correct, go online and make the payment. Couldn't be any simpler.
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Um yeah - LOL. Well said!
I haven't always paid it when it arrives and I still rarely do. But just know the credit card companies are not going to give you ANY leeway and mail it ahead of time. Postmark doesn't count. I generally aim to mail it a week or 2 before it is due and have never had a problem. I do check my balance almost everyday and one month this year I had mailed a payment really early that still hadn't posted one week prior, so I mailed it in again. They both cleared before the due date, but I rather pay my bill off twice than risk it not getting there - US mail has been a little random this year if you ask me. BEcause of this and that incident I have taken to just paying the bill online the second it comes due. IT is the simplest way. But really, for the longest time I just mailed payment 1 week before the due date - for years - never had a problem. I guess for that reason I don't see why people have such issues. ?? Moving your due date is a simple fix too if your bill comes due at a bad time for you. Definitely some good advice.