I once had an account (not Capital One) that didn’t give me much time to pay the bill. I used to walk the payment right to the post office as soon as the bill came in to avoid as many delays as possible so it wouldn’t be late. I called them about it and got obnoxious talk-arounds. Couldn’t pay that one off soon enough and close it.
I once had an account (not Capital One) that didn’t give me much time to pay the bill.
About 15 years ago, I had similar problems with the cable bill and a credit card bill. Each was supposed to have about a 25 day grace period. But, they wouldn't even mail the bill until about 2 weeks into that. It would several days to arrive. By the time I would have returned them (one 3-day weekend), they would be late.
I noticed in some online forums that many people were complaining of similar problems with bills and payments.
When online bill paying started, I pay every bill the very day they get the current bill posted.
I used to have auto-pay on a few accounts, but they would put a hold on the amount on my credit card, but not actually pay it until the end of the grace period. One month, I had a foreigner who used my number for some purchases. My credit card company called me about the unusual purchases -- airline tickets between Turkey and Dubai. They cancelled that card number and issued me a new card number.
That created new problems. Those auto-pays would not let me change the to the new number, because there as a charge pending. I had to wait for the cycle to complete, and get a 'card number rejected' and hit with a late fee, before I would chance out the old number with the new. I dropped auto-pay immediately thereafter.