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Put everything on Discover Card please, they jacked my rate to 29.8% when the check we mailed supposedly never made it and I am still pissed at them for doing that.

Chase VISA and the Cable Co tried something similar with me. Their Policies document stated I had a 25 day grace period. But, they would fail to mail the statement for up to 13 days. By the time I actually got it with additional postal delays, even if I mailed the payment immediately, the payment would be beyond the due date.

Now, I make most payments via online banking. That way, I know when it was deducted and 'sent' from my account and when the payee got it. And, I don't have to worry about 'lost in the mail' or postal delays. Online payments usually take no more than 2 business days.

I am doing that now too, but my wife is not exactly tech savvy and it took a lot of persuasion to get her to go paperless.