Credit card late fees are a fact of life for some consumers Cheap Lavonte David Jersey , but they don't have to be for you. Legally, credit card companies can hit you with pretty much whatever fees they want. On the other hand, you don't have to pay them Cheap Gerald McCoy Jersey , but only if you avoid them in the first place. Here are five sure fire ways you can avoid costly credit card late fees:
1. Pay Before the Due Date. Of course, this makes the most sense. However, this is also the single most important reason why people get socked with fees: they receive their bill and immediately forget about it! When you get your bill Cheap Mike Evans Jersey , open it up and pay it promptly. Waiting means forgetting and forgetting about your credit card bill will cost you money.
2. Pay on the Internet. If you have access to a computer, then paying online is the best way to make certain that your payment gets to your credit card provider on time. Be careful, as there is still some lag time from when you authorize funds to be released from your checking account and when that payment is finally credited to your credit card account. The gap between the two can be as long as one week!
3. Schedule Automatic Payments. Some credit card providers allow for you to set up a scheduled deduction from your checking account which is then automatically sent to your credit card provider. You should set it up to take money out of your account well before the due date to ensure that your funds are received on time. You can always send in a separate Cheap Jameis Winston Jersey , extra payment if you want to pay down your debt faster too.
4. Question a Late Payment. Even if the credit card company claims that your payment was late, it doesn't mean that you must be charged a late fee. Contact the company and ask them to reverse their charge ?- which usually runs between $29 and $39 -- and to expunge their records of your tardiness. You not only want to avoid any fees, you want to avoid their possible notification of your lateness to the three major credit report agencies [Experian Cheap Matt Gay Jersey , TransUnion, and Equifax]. Any information supplied to the credit reporting agencies can work against you in the form of higher interest rates on current cards as well as on future loans!
5. Go with the Citi Simplicity Credit Card. Now, consumers have a new option to help them avoid late fees: Citi's new Citi Simplicity card doesn't charge late fees. Please click the link below for more information about this breakthrough card.
Taking the appropriate action can help you to avoid late fees and allow for you to keep more of your money in your pocket. Become better informed and start saving money today!
Copyright 2006 Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to .
If you are an elder child of the family Cheap Anthony Nelson Jersey , and your grandparents have allotted you a heritage then it is your responsibility to take care of the place. A good plan can keep the place secured and your family tradition will also be there forever. Renting the place can be a nice idea. It can give you some cash in return and the place would also get inhabited. You may want to consider contacting a property management company to give sound advice on renting your cultural heritage and what type of services the company can provide for your rental building.
Renting out a house or a land is not that easy as people take it. There are important things that have to be checked before renting your land to a stranger as you do not know where he came from and why he wants a rental residence. Calling an experienced house agent can drive you to decide that who will take your house. It is really a risky decision to hand over your house to a stranger. There have been incidences in the past when some people with wrong intentions want to get a place on rent. Checking the past record and previous debt clearings can ease your decision.
The house agents are very socializing people. They are well-trained in asking salient questions and are experts in judging the person's background in a brief conversation. Hiring a good expert is always something very supportive and helpful. For getting a good professional, you can check the details on internet. There are also many local agents you can find in your vicinity or town. You can also check some local offices; it would be more suitable as you can meet them face to face.
A good rent out of your house also depends upon its pattern of construction. By its construction, you can set an idea that who can be the best dweller Cheap Mike Edwards Jersey , a family or a single person. But to any one you rent just check the complete profile. This is essential as you do not know how the family or the person is who is taking your house on rent. There are instances when tenants do not pay the rent and they stay in your house illegally. There are also cases when dwellers showed fewer residents but when they were giving the hand of the place; they brought more dwellers to reside.
Renting out your house to a student is often risky too as the students bring more guys to reside which create damages to different areas of the place.
When you are going to rent out your inherited house, be careful and attentive as there are some crucial problems which you can face if you are not well-focused on the aspect. Try to hire a good house agent; he can come up with some good advices on your house. You can also place an aid on any house renting website as there are a number good tenants looking out for your house.