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Malibu,#2Consumer Suggestion
Tue, November 29, 2011
1. The due date on your bill means that the creditor has to have the payment IN HAND on that date. That's why they suggest mailing it 5 to 7 days early. As for the online payment suggestion, the two days are to make up for Saturdays and Sundays which are not banking days.
2. You can easily avoid the $15 check over the phone fee if you paid your bills in the same way as everyone else and not wait until the last minute.
3. I can't vouch for your credit score or credit history, but 25% on a credit card nowadays doesn't seem too strange to me. I would imagine your rate is that high because... wait for it... YOU DON'T PAY YOUR BILL ON TIME! Been on Earth long?
You said that you can manage your money, but everything you say here points to the contrary.
Kathy
Portland,#3Consumer Suggestion
Sun, May 11, 2003
Hi. I have worked for a credit card company in collections. I have an account with Household. MY payments use to be late. Then I figured it out. I make payments by phone if I am close to the due date and eat the fee. the fee is better than the late charge. Payments done on line take 2 days to post during the week and if done on friday post the following tuesday. I think you need to redo your budget. Credit is important and if you adjust your bills it will be easier. I do not find the company at fault in this case.