Pay your bills early during the holidays. Companies will claim it’s the post office’s fault if you get a late charge. Lie. When other payments arrive in plenty of time, then that’s proof, imo, companies are gouging customers with plausible excuses. Funny how it’s always the same company and other customers get the same story.
Sears used to be the worst. Funny that they are gone now. Entirely due to incompetence.
Another corrupt trick that banks do is to run all the debits each morning and then run the credits. This way they can charge more late fees. Bank of Utah used to do this. Got me twice. Since I changed to a credit union, no probs.