Late Payment fee & Customer service

If the due date is Sunday, I would pay it on Friday (or, a week
earlier, even, just to be safe). I think this is what happens when
you let automated systems do all the work. Might be better to keep
track with a calendar and do the payments manually (online, though)
yourself.

I would say this is the game they play.

If you object to their shady practices I would suggest cutting up your
cards, and being done with credit cards in the future.

If you play with the snakes you will eventually get bit.



Good Day

First, you speak of banks being understanding with "1 or 2 late fee
'reversals' in a 12 month period." In my experience, you would be
lucky to get 1 late fee reversal during the life of the account.

If you think that 1 or 2 late fees in 12 months is paying your bills
on time, to a credit card company, well, I don't agree. That sounds
like a horrible payment history.

You expressed how grateful you are to have credit extended. How about
being grateful they don't close your account because you don't pay on
time? How do you think the bank feels, when you don't pay them as you
agreed to in the contract?

I know of no payment transaction for any of my utilities and banks
that can be scheduled and completed on the same day. The only way I
can do that is call and make a checking account payment over the
phone, and there is a charge for that of $10-20. Since paying such
fees is against my principles, I have never had to do it. I schedule
the payment in advance.

n/t