Submitted by MykeHock69 t3_yfscwt in LifeProTips

Hello everybody!

I am sure this is something that has been mentioned before but is a reminder that might help someone..

But if you find yourself realizing that you’ve made a purchase on your credit card and completely forgotten to pay it on time, you may be able to waive that late fee. That is if you caught it within a reasonable amount of days after the due date. Most credit card companies will offer to waive late payments at least once. You may even get lucky and match with a sweet representative that will do it again if it’s not your first time. But if you realize you’ve blanked out and forgotten a payment and it’s only your first offense it may be worth it to reach out via chat or their 1-800 number to see about having that fee waived. It might just save you $10-30 bucks or more depending on your card. It also helps if you’re very polite and appreciative to the rep🙃



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wenzill_a t1_iu515ke wrote

i think the real LPT is set your bills to autopay


MykeHock69 OP t1_iu57cyo wrote

You’re not wrong. I did this at the same time I called because I had a late payment. Double life tip!


Aragona36 t1_iu7d388 wrote

And to pay cash as much as possible for everything else. Don't ride the credit card train.


MykeHock69 OP t1_iubdw4k wrote

Credit is good if you want to purchase a home in the future. Unfortunately in America you either have to resolve to paying everything in cash (which can be hard for large purchases such as a house) or build your credit. The problem is spending outside of your ability to pay. Never be irresponsible with credit cards.


WardStradlater t1_iu50g2u wrote

However, your credit score may still be affected as the company will likely still report it as a late payment.


Neither-Fix4327 t1_iu517iv wrote

Most major credit card companies will not report the late payment unless it is 60 days past due. At least this is what a customer service rep told me last I had that issue.


keepthetips t1_iu4xjm1 wrote

Hello and welcome to r/LifeProTips!

Please help us decide if this post is a good fit for the subreddit by up or downvoting this comment.

If you think that this is great advice to improve your life, please upvote. If you think this doesn't help you in any way, please downvote. If you don't care, leave it for the others to decide.


ABena2t t1_iu50gs3 wrote

are you a credit card rep? lol


MykeHock69 OP t1_iu57a00 wrote

No, but I did just call because I had this exact scenario just happen and the rep told me about it. So I thought I would share in case someone else was in this position