1. Pay your bills on time. This one is
obvious. When you get your bill, open it up and pay it right away.
Waiting means forgetting or hoping that your payment arrives on time.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.
2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.
3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.
4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.
Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.