I just found out on payments on one card co. U got pay it 5-7 business days ahead due date or get sock late fee.none my other cards do that. U can pay on due date even. Way avoid this is make Express payment with additional $7.99. what a ripoff . I check today on card due next sat . So pay it today . I find that be ridiculous . I didn't know that for a whole yr. I think I was pay as close as 3 days bfore due date . These predatory loan places an low cc co. Are terrible. They prey an take advantage of ppl with not lots money . I had took out small loan also months ago because pickup an expensive plumber bill. There nothing u can do . If don't have perfect credit from some issues yrs back . This what happens . Is this what binden policy is ? All for more richer ppl an bankrupt country with inflation? The inflation is worse problem I have in last 1-2 yrs.. everything nowadays I can think of in life. Is much more crappier then yrs ago. Good ole days are gone forever. I can not think one positive thing in life that I run across with. Everything I encounter seems totally negative. Inflation as ruin the country

Keep her chin up Coonman, it could a!ways be worse...alot worse

Thought the negative posts had dropped a bunch with marty on a break but here we go.

The Sun"ll come up Tomorrow

Coonman. There are things you can do , as you gain good credit along the way. I have done this for years. And I have top rated credit scores that any bank on earth loves to see.

Don't use the mail to pay. Call their customer help number. They are happy to process your payment via the phone. That way you are never late.

Or you can pay it as soon as it arrives in the mail. Sometimes mail does get there late.

If a payment does arrive to them late (I've had this happen a couple of times due to stalling of mail, not me), call them. Tell them when you mailed it. Request that they not fine you, and possibly put a mark against your credit score. The good ones will do that for you. If they see your track record of flawlessly paying bills, they will give you slack. Mine did.

Remember this motto....." It doesn't hurt to ask." That goes for anything. Anyone. Anytime.

I never pay interest. If your balance is more than you can pay off all at once, you have options.
1- call and request they lower your APR to rock bottom . They will.
2- if you have more than one card, even just two, they offer balance transfers for 0% APR for a number of months, even several years. 0 APR. As long as you make on time payments. Take advantage of that. It works great. Calling them and requesting just what you want is much better than trying to do that online. I like to speak with a real person. .....

" It doesn't hurt to ask. "

And all gaining you better and better credit scores. That's important if you ever want a loan of some kind. If you just appear out of the bush, on walkabout , no credit , nothing, like a wild aborigine , loan institutions will likely eye you with worry.

CC doesn't have to suck interest. Not if you manage them with care.

Thought the negative posts had dropped a bunch with marty on a break but here we go.

Pay cash. Credit score not needed.