When No One with YOU
WE are THERE !

Debt Consolidators
Tips to avoid credit card late fees

 

 KankuRatan.com
Debt Consolidation       Credit Counseling       Debt Management       Student Loan       Medical Debt      
Debt Consolidation
How it work
How we help
Consumer debt
Avoid bankruptcy
Free credit counseling
Credit card debt help
Debt management plan
Debt consolidation FAQ
Fair debt collection ACT

Students loan debts
Loan debt consolidation
Low interest loan
Federal stafford loan debt
Parents plus loan debt
Private students loan debt
Money management tips

Other Services
Government tax debt
more services ...

Credit Tips
Credit score
Credit history
Improve credit score
Dispute credit report
Credit Terms

Articles
Budget setting
Eliminate debt
Consumer law

Common Tips
Tax return info
Interest rates
Tax scam's
Identity theft
Why debt consolidator?






Debt Problem? Call Now 855-446-9107
Get Free Quote - No Obligation



Tips to avoid credit card late fees

Everyone hates late fees and being late will cost you these days. For some credit cards today, if you are late, you will have to shell out as much as $40 each time. This can burn your pocket really quick.

Below is some tips and strategies on how to keep away late fees. This will save you a lot of money in the long run.

Just pay your bill on time.

Just make sure you follow the numerous guidelines, which are usually outlined on the back of each credit card bill, on how to send in your payment. These guidelines must be followed precisely if you want to guarantee that your payment will go through on time. One of the easiest ways of avoiding a late fee is to just pay your bill each and every month by sending in a check, money order, or other type of payment to your respective credit card issuer.

Payment guidelines may include everything from a specific payment address to the time of day by which the payment must be received to be credited that day. Many issuers also stipulate that payments must arrive in the reprinted envelope sent to the customer.

While the Fair Credit Billing Act (FCBA) requires issuers to credit payments the day they are received, each issuer is allowed to set specific payment guidelines. If any of the guidelines are not met, the issuer can take as many as five days to credit the payment.

An on-time payment could easily become late during that five-day period, so follow those payment guidelines carefully.

Pay minimum due immediately.

One of the best ways to prevent a late fee from being charged to your account is to pay the minimum due immediately. As soon as you receive your bill, send in the minimum due. This will always insure that your credit card issuer received payment. You can always send in more money later if you decide otherwise. This is a great way to avoid missing a payment because if you forget to send extra money you can guarantee that you won't be charged a late fee because the minimum due has been already been paid.

Move your due date.

Many people have trouble saving money, so when it comes time to paying their credit card bills, they don't have any cash to do so. One particular solution is to move your due date. Many credit card issuers will allow you to set your own due date to meet your specific needs. If you have trouble saving money, move your due date to a time when you do have money, like as soon as you get your paycheck. Time your credit card bill to come the same day you get paid, you will always have cash to pay the bill.

Just skip the payment.

One of the more rare types of methods you hear of are Skip-A-Payment services. You can use these services to skip mortgage, credit card, or loan payments. Usually you would need to get in contact with your bank just to see if you even qualify or not. There are also independent companies out there that will allow you to do the same thing, no matter what bank you are a member of. Depending on whose service you use, the fee's associated with it vary. When you use these types of services make sure you know how much you will be charged then decide if it's worth it or not.

Pay by phone.

This guarantees that your payment will be on time. If you are one of those people who wait to the last minute to do everything or if you just forgot to send in your credit card payment early enough, you could always pay by phone. Just supply the representative on the other line with your checking account number and your bank routing number, which is printed at the bottom of each check. Usually the routing number is first and the account number is second. A lot of issuers allow you to pay by phone and some will charge you a from $5 to $20 for doing so.

Use other express methods.

If your bank does not offer a “pay by phone” service and you need to get your payment to your credit card issuer as soon as possible, send your payment by express mail or by any other mean available to you (eg. western union). Either one of these services can get your payment to your credit card issuer immediately. These express methods are costly, but cheaper than any fees associated with being late. Make sure you send your express payment to the proper address. Many issuers have separate payment addresses for express payments.


Home
How we Works
Company
Sign Up
Contact Us
Miscellaneous
Patners


SignUp Requires
  • Min. $2,500 debt
  • 2 or more accounts.
  • A source of income.
Guide : Debt consolidation Faq    • Select your state    • Debt solutions    • Payday loan    • Articles
Mortgage articles    • Credit terms    • Latest debt news
Calculators : Debt pay off calculator   • APR Calculator   • Amortization Calculator   • Compound Interest Calculator
Credit Card Payoff Calculator   • Loan Calculator   • Mortgage Calculator
Faq: Mortgage Related Frequently Ask Questions    • Home Equity Faq
Fair Debt Collection Practices Act    • Plan to buy Property Out side USA - Read FAQ Here
Others : Other Services    • Testimonials    • Feedback Form    • Site Map      
Resources : Directory   Add URL   1   2   3   4   5   6   7   8   9   10   11   12   13   14
Privacy     License

© & ® 2004-2015    www.KankuRatan.com - Debt Consolidation Services