I am almost always great about writing the checks for our bills as soon as I receive them and mailing them off within a few days. Apparently I neglected to send off a credit card bill until only 5 days before it was due. I put my faith in the speed of snail mail and it came back to bite me!
It took 8 days for that bill to post, which made us 3 days late! We have NEVER been late on ANY payment, EVER! Our lovely late fee? $35, with an atrocious 303% interest rate on that fee. Of course, that meant that when they determined this month's bill 3 days later, they added the accumulated interest on top of the $35.
We did call to try to get the fees waived considering our past credit history with this particular company over the past 5 years. They did concede and offer to reduce our late fee to $17.50, but I still feel wronged.
It annoys me that I could mail off a bill 5 days before the due date and still incur late fees OR I could send a payment online with 1 day to spare and be just fine. I'll be mailing my next bill with at least 10 days to spare!
I think you are wronged because it should go by the post date, not when they rec'd it. For real! I sometimes have mailed bills off the day before and they're not late because of the post date.
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