Step one: pay your bills on time.
Step two: lather, rinse, repeat.
However, if for some strange reason you do get a payment sent in late just try to be calm and call the company. That is what I did. I have my payments all set up in Electric Orange to go out automatically every month. Well I think I must have tweaked some of the dates too much and did not remember because when I downloaded my statement into Money I noticed a charge for $35.00 that said Late Payment Fee.
I could not believe that I had a late payment because I just KNOW that I had the payments set to go out before the due date. I took a deep breath and said the payment was one day late and I have never been late paying this card. I decided to take a chance and call up the credit card company and ask for the fees to be reversed.
I spoke to the rep who put me on hold for a few minutes while he pulled my payment history. Imagine my relief when I was told that I did have a good payment history and that the payment could be reversed because it was only one day late. I was very happy and after I got off the phone I immediately went into Electric Orange and moved the ‘send payment’ date to five days earlier to take account of what just happened.