I made a stupid mistake this month. I forgot to pay a credit card bill.
How I forgot, I don’t know. I have two Chase credit cards. They are linked to one account, so I login once and can see both cards. Somehow, I set up the electronic payment for one and not for the other.
Thankfully, I realized this the day after the payment was due when I saw the $25 late fee hit.
I’m also going to be hit with a day of interest for that late payment too, and that’s gonna hurt.
It was a stupid mistake, and I’m going to be extra careful about it from now on. I’m just going to suck up the fees and move on and make sure to be on top of my bills. I’m sure of what happened – the bill came while I was out of town during the holidays, and it just got set aside rather than getting paid immediately.
At least it was just a credit card and not something bigger, like a utility bill. No need to mess with not having heat during the winter!
If you always pay your bills on time, you might be able to get that waived for you.
I use 4 credit cards depending on the store I’m at… always pay them off but I’m scared one month I’ll forget too.
As bogofdebt said, maybe you can call and ask for it to be waived?
I hate when that happens. For one of my credit cards, I can set up, up to 10 payments and then I have set up another 10. You guess it after the 10th payment I get nailed with the fee you mentioned above. I ALWAYS screw it up.