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Missing Credit Card Statement

November 25th, 2006 at 08:15 pm

Would you remember to pay your credit card bill if you didn't receive your monthly statement?

I noticed this morning that I hadn't received my most recent credit card statement, but that it was time to pay the bill.

I logged into my account, and sure enough my due date is just two days away!

Good thing I checked, since most credit card companies slap $30-40 late fees on if you're even the tiniest bit late paying.

Hopefully, you won't have any missing credit card statements, but if you did, would you remember to pay your bill on time, or would you get slapped with a late fee?

Here are some tips to help you avoid paying bills (and credit cards!) late:

* Schedule time each week or twice a month to pay bills

* Put important due dates (rent, credit card payments) on your calendar

* Use a spreadsheet to track bills and credit card payments

Implementing some type of system to make sure you pay your bills on time can be a huge time and money saver.

If you do miss a credit card (or other bill) payment, call the company and ask them to refund the late fee. If you have a good reason, and you haven't missed any payments previously, they should honor your request.

2 Responses to “Missing Credit Card Statement”

  1. tinapbeana Says:

    i have all my due dates in my budgeting software, so even if i don't get a bill i get my own personal reminder.

    also, i pay all my bills the 15th and 30th of every month. bills due the first half of the month are paid on the 30th of the month prior. bills due the second half of the month are paid on the 15th. to make sure nothing is late, i consider bills due on the 1st to be due the second half of the month, so i mail their payments out early on the 15th.

  2. LdyFaile Says:

    I get paid twice a month, the 5th and the 20th. I don't know what my due dates are but when I set up my budget I set it up so what I pay on the 5th and 20th is in plenty of time for when the bill is due. I don't get any paper statements, only electronic ones. It doesn't matter if I get the statement or not, soon as I get paid so does the bill.

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