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@pizza1 wrote:
this is why you shouldn't wait till the last minute to pay. I would suggest having your payments post at least min 3-4 days prior to your cut off date to avoid this. Of course everyone is different, but for me my PIF payment is always a week before SM cut.
Some creditors don't let you adjust your due date, so I gave up a long time ago and I have a large spreadsheet to track everything. Only a few cards I have to pay on the due date, and often I don't know until the day before how much I'm paying on each card. Paying interest doesn't bother me but minimizing util does.
Let me manage my credit how I'd like, and I'll let you manage yours.
@Anonymous wrote:I think the points on both sides have been made and it's time to move on.
I'm going to go with this answer.
I just like my way that works for me best and that is pay the bill right around when I see it. If I log in and see a statement, there is a due date, it get's a payment initiated right then and there. Problem solved...how I roll. It's good to maintain some buffer $$$ But, I said, how it works for me and that doesn't mean my way works for everybody. YMMV. Have a great day folks!