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5 Ways To Prevent Credit Card Late Fees
By Gary Gresham
Paying a credit card late fee is the same as throwing
your money away. Late credit card payments can also
hurt your credit score. The payment tips and strategies
here will show you how to prevent these costly fees.
When credit card companies process credit card payments,
every single detail is extremely important. Get even
one of these small details wrong and you will have to
pay credit card late fees.
The Fair Credit Billing Act requires credit card companies
to credit payments the day they are received. However,
this law also allows each credit card issuer to set
their own specific payment guidelines. If any of these
guidelines are not met, the credit card company can
take as much as five days to credit the payment.
That means you can get your payment to your credit card
company on time and it could become late during that
five-day period. The credit card company could legally
charge you credit card late fees. So it's in your best
interest to follow their payment guidelines carefully.
The payment guidelines are usually on the back of your
credit card bill.
Here is the five best ways to prevent credit card late
fees.
1. Follow Credit Card Payment Guidelines Carefully
This includes everything from a specific payment address
to the time of day the payment has to be received to
be credited that day. Some companies even require that
payments arrive in their preprinted envelope they sent
you with your bill. To be safe, always use the preprinted
envelope provided by a credit card company.
Include the billing coupon, and write the amount you
are paying in the box provided. Make your check legible,
don't forget to sign it and double check that the payment
amount is correct. Write your credit card account number
on your check and send the payment with the proper postage
to the payment address requested by the credit card
company.
2 Pay The Minimum Payment Immediately
The best way to prevent paying a credit card late fee
is to pay your bill as soon as it arrives. Even if you
can only make the minimum payment, it's better than
paying a late credit card payment. You can always make
additional payments later to keep your interest costs
down.
3 Change Your Due Date
Most major credit card companies allow you set your
own due date by just asking. Set your due date so your
credit card bill arrives right after you get paid.
4 Automatic Online Payments
Paying bills online is also another good way to avoid
paying a credit card late fee. Most major credit card
companies are accepting credit card payments online.
Just sign up for the service on the card company's web
site. Make sure to choose a payment amount that automatically
covers the minimum amount due on your credit card each
month. You can always make additional payments later
to keep your interest costs down.
5 Make Your Payment By Phone
Most major credit card companies will accept payments
by phone. Some of them will charge fees, ranging from
$5 to $15 for the service. But credit card late fees
cost you much more so it's better to pay the small fee
than a late credit card payment fee. Call the toll-free
number on the back of your credit card. They will ask
you for a check number and the bank routing number,
which is printed at the bottom of every check.
If you do get hit with a credit card late fee, try calling
the credit card company and ask if they will waive it.
Many credit card companies will waive late credit card
payment fees as a courtesy to customers with good payment
records.
Copyright © 2005 Credit Repair
Facts.com All Rights Reserved.
This article is supplied by http://www.credit-repair-facts.com
where you will find credit information, debt elimination
programs and informative facts that give you the knowledge
to correct your own credit and credit report. For more
credit related articles like these go to: http://www.credit-repair-facts.com/articles_1.html
Article Source: http://EzineArticles.com/
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Credit Cards, Free, objective information articles and rate quotes for consumer bank products such as mortgage rates, home loans, CDs, auto loans.
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