How To Avoid Paying Late Charges
Nov 10, 2009 Payday Loan
Anyone who has been on the paycheck to paycheck roller coaster knows and doesn’t like the expression past due charges. The true irony of the term is that people usually don’t see it until it’s too late. Remembering and saving enough cash to pay bills on time can be difficult, especially to those with new bills to pay. It’s important to get around paying late, though, as it will hurt your bankbook now, and leave you with a lower credit score down the path.
Every account has a past due fee. If you pay your rent late, you have to pay an additional processing charge. If you pay your telephone bill late, you may have to pay an extra charge to have it clicked back on. Credit cards are the worst, though, because one late payment can result in astounding past due penalty and a higher interest rate quickly. With that in mind, here are some tips on how to keep from paying late and paying more.
Following all the rules is especially worthwhile when it comes to paying credit card accounts. All the small print on the reverse of your statement tells you exactly how they want the bill to arrive and when - down to the very minute. If you don’t follow those info precisely, it can take longer to credit your payment, thus making it late.
Automatic online payments are a good way to avoid past due charge. Most credit card businesses and other bill receivers allow you to set up an automatic monthly charge from your account. You can set it up to pay the minimum amount each month. You can always make an additional payment during the month, but you won’t have to worry about getting handed with a past due penalty. This way you don’t have to remember the due date or even buy a stamp to mail your expense. You just have to remember to have enough cash in your account to make at least the minimum amount due. Which brings us to our next point…
If your expenses are coming at a time of the month when money is short, you can always adjust the date your expenses are due. Not everyone gets paid on the first of the month. Change your expenses to fit your life.
Past due charge aren’t just a headache for the time being, they affect you over the long term. Poor credit scores can keep you from getting lower interest rates, which is especially significant when it comes to mortgage payments. When asking for any financing or credit card, your credit score will be assessed to evaluate what your monthly payments will be, your interest rate, or whether you will receive the financing or credit card at all. If you don’t want to set up payments online, you can also pay by phone. This is a great way to pay immediately with no fears of the mailed payment arriving late. There may be an extra penalty for phoning in the payment, so watch out for that.
There Are Bonuses to Paying on Time
If you become an on-time bill payer, you can get bonuses from your credit card. Credit card companies often let a few past due payments slide in without the late charge if you have a history of good behavior. Just make sure you ask. Keeping you as a punctual customer is more important to them than getting one past due penalty. So, keep on top of the bills, and remember, there’s nothing wrong with paying early.
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Bad Credit Bill Consolidation Loans for You
Oct 7, 2009 Credit Card
If you use your credit card excessively you can get buried under excessive debt. Things begin when you start to pay only the minimum dues. This is because now you have no money left after you are done with meeting all the monthly expenses. In case the repayment amount is large, you will default continuously. All this while, the interest on the amount due will keep on mounting. by the time you will realize that you are in difficulty, it is already too late.
Now bill consolidation loans are there for your rescue. A bad credit history can no longer stop you from reaping the benefits of bill consolidation loans. A bill consolidation loan is designed for those whose credibility does not qualify for availing the regular credit cards. Bill consolidation loan enables the people with bad credit.
Bill consolidation loans do not have any fees attached to them. Whether the bill consolidation loan is taken for the bad credit or for the credit card debt consolidation, it is absolutely free. Such loans offer you money which you can use to repay all your existing debt and then bring them down to zero levels. Bill consolidation loans will therefore consolidate your debt and in turn, relieve you from the pressure of making payments to your creditors in a varying number of chunks. Instead, you are able to utilize amount receive from these free debt consolidation loan to repay all your other debts and then pay in installment to only the bill consolidation loan lender.
If you are in panic to find out a way out of the deep debt that you have gotten yourself into, bad credit debt consolidation is the ideal solution for you. Along with providing the consumers with debt consolidation credit, this bad credit debt consolidation even enables them to rebuild their credit. This is done by improving their credit scores. Better still, these bill consolidation loans are absolutely free with no costs attached to them.
Bad credit debt consolidation is classified under two categories: Secured bad credit debt consolidation and unsecured bad credit debt consolidation. If you opt for secured bad credit debt consolidation, you need to mortgage your property as collateral for the loan obtained. This kind of a loan is known as debt consolidation mortgage loan.
The loan amount in this case will be equivalent to half the value of the property which is pledged. If you fail your monthly dues on or before the date which is specified by the lender, the lender can recover its costs by using the amount deposited in your savings account as collateral. Unsecured bad credit debt consolidation does not ask you to deposit any amount as collateral or as security against their credit. But the interest rates are quite high as compared to those offered by the secured bad credit debt consolidation.
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How to Avoid Loan Penalties?
Sep 19, 2009 Debt Consolidation
If you have ever missed a loan payment or made a late payment then you must know about all the heavy penalties and charges that your bank or your creditor will impose upon you. Interestingly enough, this is just the thing you do not need at the moment.
However, this is what you get when you miss a payment or even are late at making it. When you get on this spiral, it is hard to come out of it. You make a late payment and then you are charged with late fees. Now the fees will make it even more difficult to keep up to your next due payment, so another late payment and yet another fee. Soon enough all you are paying are the late fees and the payments are piling up.
So, is there a way out or a solution for this problem?
First, the creditor cannot charge you late fees when you pay an already present late fee. This means that suppose that you owed $200 on your credit card. You are late and incur a late fee of $20. Now, the next time you owe the $200 along with interest as well as the late fees. If you happen to have only $200 and interest then make that payment and inform your creditor that you are paying for that regular payment. This way you still have to pay those $20, however, you will not be charged any extra fees on that.
If you have more than a single account, then it is wise to keep up to your payments on all your accounts except the one on which you have been late already. Do not be late on this account one month and then on the other the other month. It is better to be late for those two months on that same account.
The reason is that they can charge you only with so much late fees. Instead, if you are late on two different accounts then they have all the right to bury you in fees.
In case you foresee that you will be late on making a payment then it is best to call your creditor beforehand and informing them. This surely is better than simply not paying your bill and not even explaining it.
Several creditors will also reschedule your monthly payments or even give you some extra time without any extra charge. They would rather have their bills paid instead of allowing them to go unpaid.
If one of your creditors does not reschedule your payment then you can try that with your other creditor.
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Have you ever wondered about different types of fees like payday loan fees, credit card fees and late bill fees? Check ‘n Go explains these differences so it’s plain and simple.
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