Reply #18: Pay your credit card bills online [View All]

[prolesunited]

at their sites. That way the check can't get "lost" in the mail and you can pick what day it gets credited to avoid any late fees or hikes. Most will credit is the exact same day, but a few will need of few days lead time. Also, you can set a date well in advance so you don't accidentally forget it.

I use an index card for my monthly bills (archaic, I know) and write down what I owe, due date and when and what I paid and can review it at a quick glance. We have less than $1,000 in CC debt (medical bills and car repairs), but I'm trying to conserve cash flow right now, so I'm taking my time in paying it off.

If you screw up once and pay late, call them and ask for a break. If you have a history of paying on time, they might let you slide.