I pay my credit card bill online. The good part about it is that I can wait until the last minute to pay my bill if necessary. The bad part is that if I forget the due date, I get smacked with a $39 late fee.
Here it is 1:40AM and I just paid the thing, thinking that it was due today, September 3. Oh noes. Due September 2. I was late less than 2 hours, and the late fee was already charged to my account. Dammit.
I’ll call later today after their offices open and see if I can get them to drop it. I doubt it, because I’ve tried numerous times to get them to lower my interest rate (to no avail).
The good thing about this is that they can’t increase my interest rate because of the late payment. It’s already up there at the maximum, somewhere just under 30%.
Dammit. $39. I can’t even afford $2 for tacos.