Credit Card Woes and Weird

{ April 15th, 2008 }

First the woes - I got hit with a $39 late fee yesterday because my due date was on a Sunday (why?) and when I made the payment on its due date it wouldn’t except it until Monday, a day late. Talk about a bummer. I will try and call my credit card company and see if all the advice I’ve read about calling and asking them to waive a late fee for a loyal payer will work. Time will only tell. What makes it even a bigger bummer is that on Friday I knew that this type of thing was going to happen so I reminded myself on the bus to remember to do it once I got home. I think reading Oliver Twist on the ride home was not the proper step to take to ensure that I would remember. I think from now on I will pay the credit card as soon as I get the statement. Its may cost me a few pennies in interest, but it will save me $39. If I can’t get the fee waved then it is really going to cut into the free $100 I am getting from them for making my purchases with their card. Stupid 39% stupid tax.

The other weird thing that happened with my credit card is that our limit mysteriously jumped by 40%. That is kind of good since the amount of available credit that you use is a factor in determining your credit score. I don’t imagine that our spending will increase with this new limit so that will hopefully improve our credit score some over the next few months.

Lesson learned: Pay your credit card bill on time

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