I forgot to make the on time payment

United States
January 12, 2013 1:20pm CST
Today right after I got the mail from the mailbox, I look another credit card payment, then I just got reminded myself there is a credit card payment I should make a week earlier. Then I quickly log in to my bank bill pay. Then I realized it was too late, because the payment due date is today, and I made a bill pay today, since today is Saturday, they can only be able to process it on Monday, which is the 14th, and they will received the electronic payment 2 business days after. Gosh, that means I late on my payment, and they might charge me on the late fee on that. How could I forget to do so? Maybe if you have too much bill payment to make within a month, you might not remember every single one of them. I should do the bill payment right after I receive those billing statement to avoid those late payment.
3 people like this
16 responses
• United States
13 Jan 13
If the bank you sent the payment from is also your card issuer, it might not be considered a late payment. Under the Credit Card Accountability Responsibility and Disclosure Act of 2009, if the due date falls on a weekend or holiday and they don't process your payment until the next business day, it has to be considered on time. If that's not the case, call the customer service number on the back of your card and ask them to waive the late fee. If you've got a good payment history with them and this is a one-time goof, they might do it for you.
1 person likes this
@911Ricki (13602)
• Canada
12 Jan 13
I do this sometimes, I get going and remmeber to do it, then get busy again especially during the summer months when I am always constantly working. I try to get into a routine to pay mine, a week early all the time. I will tell myself it's due say the 10th, instead of the 17th. Hope you don't get charged those fees, I know it can make or break it. I can't say I get charged a lot of interest, I believe once I have.
1 person likes this
• United States
12 Jan 13
My credit card payment is due on the 13th of the month and I pay it on the 3rd. I have another card due on the 20th I also pay that bill on the third. now a few times i forgot to make my payment two years ago and I kept getting $30 late payments. then after I made one payment arrangement I never forgot again. I got a call from someone that I missed another one and I made an arrangement t pay next month. after this I will pay this as well. on the third of the month.
1 person likes this
@mariaperalta (19096)
• Mexico
12 Jan 13
oh no, not good. I post all my payments due on a calendar on my computer. When I see that calender each day it tells me what due the next day. Helps me not to ever forget...
• United States
13 Jan 13
Maybe I should do that, because it really helps me to remind myself to pay on time. I got those program in my iPad, and I never got a chance to use it.
@asliah (11149)
• Philippines
12 Feb 13
hi, that is why i should know what my due date and even when i will receive my bill,because sometimes for being busy in work and many things i forgot those bills that i need to pay that will result for penalty or i need to pay it in main office.
@kokomo (1868)
• Philippines
27 Jan 13
Yes, that would be the best thing to do in order for you not to pay another excess fee. An excess fee is sometimes a burden because instead of buying your food, it will just go to bill payments. The lesson behind that is just be updated and aware with the dues of your bill payments.
@waleeds (126)
13 Jan 13
i think kingparker, you should set a reminder or an alarm for these kinds of tasks on time. people (including myself) often forget about these liabilities as you do, but i often set priotrities by writing on paper one by one which are ought to be done this week or this month. i cross them one by one after completing.
• China
13 Jan 13
Just a few days of delay will not charge you much and you just need to take this as a lesson and never let it happen to you again. And for me to handle my bill payment,I will stick a note behind my computer and write down all my pay day then I will never forget that.
@asweetie (1188)
• India
13 Jan 13
Hi king, I never use credit card unless I get some fabulous discounts using a credit card. I either use cash or prefer to use debit card so there is no problem in remembering dates. Even if I ever have to use the credit card then I make sure I put in money as soon as possible so there is no chance of them putting 3% interest per month. Right they charge so much here.
@wongchoiyee (6512)
• Malaysia
13 Jan 13
I also have telephone bills and internet bills to pay, but luckily I always pay later than 2-3 days. It doesn't matter, you have paid them after that.
@ksktika (271)
• United States
13 Jan 13
maybe you should make a reminder for each credit card due date. I did that everytime i got my bill. So at least 1 week before due date, my reminder always beeping. it's working and never late for payment.
@Raine38 (8987)
• United States
13 Jan 13
And since those credit card companies are so quick to slap charges and fees, it really pays to pay on time. You might be able to request for a fee reversal especially if you always pay on time and just missed this one. It happened to me once and true enough they charged me for late payment. I was able to request for a reversal though.
@yanzalong (7651)
• Indonesia
12 Jan 13
You know that credit card officials do not compormise when you fail to pay on time. They are very cruel sometimes and don't want to know your financial problems.
@Cutie18f (9564)
• Philippines
12 Jan 13
It is a good rule to make payment on time to avoid extra charges. I do not have a credit card now, I used to have one but the charges just drove me deep into financial problems so I gave it up. I don't think I would ever want to have one again.
@wolfie34 (26881)
• United Kingdom
12 Jan 13
I find I have trouble because the statement will arrive and it states I have to make a payment, it's usually by 3 weeks, and so I put it to one side, well the way time goes so fast that three weeks soon vanishes, and then I'm suddenly frantically trying to find the statement that I have put away safe to pay it. I have been late a few times, part of me thinks why not pay it as soon as it comes in and another part of me thinks they'll get extra interest on an early payment.
@lelin1123 (15645)
• Puerto Rico
12 Jan 13
I think you should be ok because usually any type of credit card bills or other bills they give you a grace period of three days. I would be surprised if they charge you a late fee. What I do to remember paying bills is I put a note on my calendar and then the night before I have to pay the bill I put a post it note on my computer. That way there is no way to forget to pay the bill.