If you don't open the bill and make out a check that same day, chances are your payment won't get there in time.
I've counted as little as 8 days from the time I receive their bill, till the due date..
They're ticking off customers and don't give a darn.
sw
Pay ‘em online.
Prints out a timestamped receipt the minute the payment is accepted, and the actual electronic cash transfer could take as long as three days (If you make the payment late on a Friday and like driving on the stripes).
Only downsides are: Deleting all the spam email you get from them and the probable grade A pain in the butt if Citi goes tentoes and you have to reconfigure to a new system.
“I’ve counted as little as 8 days from the time I receive their bill, till the due date.. They’re ticking off customers and don’t give a darn.”
Here’s a link to the credit union finder:
I pay all credit cards online so I have a confirmation and a date. I found too many checks arriving “late” even though mailed 7 to 10 days ahead of the due date. They want you to be late so they can jack up the interest rate. They’re pure evil.
I just bypass their game. I use online bill-pay at my bank. I have it rigged to send a hundred per month automatically at what I estimate is the start of the billing period (thus always being sure of making my minimum). I also check online at the credit card's site what my balance is once the cycle ends, and schedule a second online payment. I don't bother waiting for the bill in the mail.
This way, I have a record of exactly when they got their money, and I never get a late charge.