Congrats on getting 14 cards. Good luck remembering all those due dates.
Time to set up a regular worksheet list with all of them, and the Statement date for each account. As the days go by in the month, consult the list regularly, at least once per week, to not miss when each statement comes out. Take action on payments well ahead of the payment due date, not "Oh, it's due today. I think I'll log in and make a payment." #BadHabit
You've made good progress on building credit. It only takes one 30-day late to start causing problems that take 7 years to clear up.
Take it as a lesson learned and engage autopay. Even if its just for minimum payments. It will save you a lot of stress. And also save you some lost money in late fees and lowered score if it were to roll passed 30 days late.
As Sarge says, I don't know all my due dates. However, I do know autopay is engaged and if they don't pull the payment. It's on them and not you.
Remember, It takes nearly a lifetime to build good credit. It only takes 30 days to screw it up for 7 years!
@sarge12 wrote:
@NRB525 wrote:Congrats on getting 14 cards. Good luck remembering all those due dates.
Time to set up a regular worksheet list with all of them, and the Statement date for each account. As the days go by in the month, consult the list regularly, at least once per week, to not miss when each statement comes out. Take action on payments well ahead of the payment due date, not "Oh, it's due today. I think I'll log in and make a payment." #BadHabit
You've made good progress on building credit. It only takes one 30-day late to start causing problems that take 7 years to clear up.
I have 19 cards and do not know the due date on any of them. I go through and pay every card weekly, or every 2 week at worst depending on if there are pending charges that I want to post before paying. I think there are likely many here that pay no attention to due dates. They are also set to autopay in case I were to forget, which is very unlikely unless hospitalized. Remembering due dates is not needed.
OP doesn't seem to be paying every card weekly, so perhaps a list of card statement dates would be helpful to the OP?
I only pay monthly, so my trigger date is the statement date. I reconcile the statement as soon as it is available and re-verify autopay is handling things in a few weeks. Then I stop worrying about it for another month.
