Stopped for gas on a long trip. My credit card was declined. The CC company had not received my payment after a few weeks.
My mortgage lender dunned me for a late charge on a payment mailed three weeks
Prior to the due-date.
Erf!
I now send payments the same day I receive them. A month seems to work better.
My mortgage is now paid off—but my mortgage lender was in southern CA.
I had one payment that I mailed with plenty of lead time that showed up six months late! (Obviously I had cancelled that check and replaced it after receiving a late notice...)
I have an account at a regional bank which has offices in Oneida County, NY. I used to send my payments out via mail, but got sick of having to buy stamps, and not being able to trust the postal service, so I started using the bank's online bill pay system. It's a God-send. In all the years I've used it, they've never been late. Their service is awesome, and I only have a checking account with them.