Posted on 02/05/2023 11:52:50 AM PST by L.A.Justice
One credit card, pay off the balance every month, be aware of how much money we have, how much we can spend…oh yeah and our house and two cars paid off. Work hard and keep as much money as you can then you won’t have to worry about late fees.
Yeah that’s why I had an account with small money until recently.
Hope to set up another again.
Missed one synchronicity pmt due to bank acct number change which cause problems with auto payment. Limit went from 4,000 to 1,200. Then I was 200 from going over new limit.
My credit score dropped 75 points from 768 like 680. Holy crap.
RE: the IRS “late fees”——maybe NY Post: maybe with citizens’ names on rounds being loaded.
The IRS arsenal of 4,600 guns includes 3,282 pistols, 621 shotguns, 539 rifles, 15 fully automatic weapons and four revolvers.
Of the IRS Criminal Investigation Special Agents, currently 2100 special agents carry firearms.
(Plus all federal, state and local law enforcement are supposed to back them up.)
‘Bout damn time! Credit card companies are worse than the mob. If I knew I had 6 months to live, or I was going into a nursing home, I would run them up to the max, just to leave the shylocks a parting gift from me!
Dream on there Ben! Trust me, just as many deadbeats among Republicans.
They have to make money somehow.
It should be illegal to make the “date due” always fall on a Sunday.
That is all.
If I happen to have had a late payment, I simply call customer service and ask to have it reversed. I may have to give a good reason. I’ve never been turned down. Occasionally the rep will say that as long it’s not more than once a year, no problem.
The late fees should not be changed. What should be changed is the time period to declare it late. I was charged a late fee on my house mortgage. I mailed the check the day after I received my billing. Per the mortgage company, they did not receive it until 20 days after mailing. I suspect they were correct. Lost letters and late letters are endemic to the United States Postal Service. I would suggest a 45 day period to access late fees.
PS
I called the mortgage company and asked them to look at my payment history of never once being late and always early. I also mentioned I had 40k in my accounts with them, so money was not the problem. They did and courteously waived the late fee. I do not blame the mortgage company. I blame the United States Mail Service. Midwest was the company handling billing to me for my bank from which I had the mortgage. They were fair and efficient.
I stopped sending in my checks using mail a long time ago...I pay bills online...More convenient...
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