Can I fight a late paymenbt charge and how can I aovid them?

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My credit card bill came too late to pay it on time without paying a finance charge. Can I fight the charge? How can I avoid this in the future?

Call your credit card company and tell them you received the bill late. Sometimes they are willing to remove a late charge if they see you are taking the initiative to correct the problem. It may be a matter of simply speaking to a customer representative. In this down economy they don’t want to lose a paying customer so they may be willing to be a little flexible. To avoid the problem in the future, many credit card companies offer automatic pay options drawn from a checking account or debit card. You can also often sign up for online paper free payments and notifications that come to your email. Through those you can set up specific payment dates that will come out the time you need or want them to from your account. Many offer either a monthly auto pay or individual pay options if you want more control over when the money is withdrawn from your account. Some offer phone payment options but be aware that any or all services may possibly have a fee involved in using electronic or phone payment options and that is for each time it is used. Make sure you read all the fine print involved in each type of payment method. Some ask for the fee only on last minute rush payments online so planning ahead saves you money. If you opt for an individual online payment and not an automatic payment make sure you either still get a paper bill top remind you of the due date, get the bill emailed to you or set up a calendar that reminds you when each bill is due. Being organized and on top of your bills really helps to avoid late charges and unnecessary fees you don’t want to have to pay or that you can’t afford. Mama Nono

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The answer to "Can I fight a late paymenbt charge and how can I aovid them?"

Question asked on November 11, 2009at 11:00 pm:: Comments (0)

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