Finance: 5 Ways To Prevent Credit Card Late Fees

5 Ways To Prevent Credit Card Late Fees

Written by Gary Gresham

Continued from page 1
2 Pay The Minimum Payment Immediately The best way to prevent paying a credit card late fee is to pay your bill as soon as it arrives. Even if you can only make repparttar

minimum payment, it's better than paying a late credit card payment. You can always make additional payments later to keep your interest costs down. 3 Change Your Due Date Most major credit card companies allow you set your own due date by just asking. Set your due date so your credit card bill arrives right after you get paid. 4 Automatic Online Payments Paying bills online is also another good way to avoid paying a credit card late fee. Most major credit card companies are accepting credit card payments online. Just sign up for repparttar 143223

service on repparttar 143224

card company's web site. Make sure to choose a payment amount that automatically covers repparttar 143225

minimum amount due on your credit card each month. You can always make additional payments later to keep your interest costs down. 5 Make Your Payment By Phone Most major credit card companies will accept payments by phone. Some of them will charge fees, ranging from $5 to $15 for repparttar 143226

service. But credit card late fees cost you much more so it's better to pay repparttar 143227

small fee than a late credit card payment fee. Call repparttar 143228

toll-free number on repparttar 143229

back of your credit card. They will ask you for a check number and repparttar 143230

bank routing number, which is printed at repparttar 143231

bottom of every check. If you do get hit with a credit card late fee, try calling repparttar 143232

credit card company and ask if they will waive it. Many credit card companies will waive late credit card payment fees as a courtesy to customers with good payment records.

This article is supplied by http://www.credit-repair-facts.com where you will find credit information, debt elimination programs and informative facts that give you the knowledge to correct your own credit and credit report. For more credit related articles like these go to: http://www.credit-repair-facts.com/articles_1.html

To Buy or Rent - How Do You Decide?

Written by Lois A. Vitt

Continued from page 1

The easiest way to do this is to create a 4-column table with one column listing repparttar types of expenses and one column for each of repparttar 143222 three categories. Create one row for each type of expense. Expenses listed might include Housing, Utilities, Food and Meals, Transportation, Healthcare, Personal Care, Child Care, Pet Care, Debt Payments, Insurance, Education Costs, Recreation, Professional Expenses, Charitable Donations, and any other expenses you might have.

Enter your existing and projected expenses for each of repparttar 143223 three categories:

Step Three: Analyze Your Data

This analysis will take time and effort, but it will give you an accurate picture of your monthly expenses in your current housing status, if you choose to rent, and if you choose to buy.

Once you add up repparttar 143224 items in each category, it is simple to compare your projected monthly expenses in each scenario with your monthly after-tax income. You will have your answer in black and white.

If you can afford to buy, and owning your own home is repparttar 143225 best choice for your current lifestyle, you can comfortably pursue that goal.

If renting is your best or only financial option at this point, return to your financial road map and continue to move toward repparttar 143226 goal of homeownership in repparttar 143227 future.

There is no reason why repparttar 143228 American Dream of home ownership cannot become your reality - if you remember to use housing psychology (and a little basic math) to make smarter decisions about your present status and your future housing goals.

Lois A. Vitt is a housing expert and financial sociologist, and is the author of "10 Secrets to Successful Home Buying and Selling: Using Your Housing Psychology to Make Smarter Decisions", the first book in the real estate market to demystify the psychological forces behind our housing decisions. To learn more about Lois and this book, visit www.RealtyStudies.com.

<Back to Page 1