What is your system for keeping up with CC bills?

[Anonymous]

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@Anonymous wrote:

I have everything running through my Discover card right now, so I just log in every three days or so and pay the balance. I use my BCE for groceries once a month, so I log in as soon as it posts and pay that off as well. Anything that can't go on Discover and that is not groceries, may go on my Quicksilver, but I always pay it as soon as it posts. I can't stand having a balance, so I don't ever worry about missing a payment, since I pay as much as I can. I have an unhealthy fear of being in debt, so I try to use my credit cards as debit cards all the time.

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This. I know Capital One thinks I'm crazy because I buy something and then make a payment the next day. I have my all of my payments auto-drafted, but I usually end up paying whatever I spent early. 

[mrsno]

One other tool that's good for reminders is an app called "Due" http://www.dueapp.com/

It will nag you till you've got it done.

[Anonymous]

Mint Bills for reminders (must have)

Auto pay for all min. Payments

Excel for budget, 2nd monthly cc payment and tacking cc info. (Color coded)

[Anonymous]

Literally having all my credit card companies' websites in my bookmark bar on my computer and clicking them every single day to monitor bills/purchases. Works every time! 

[Anonymous]

This. I should do this. Autopay makes me paranoid now.

[bdhu2001]

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@Anonymous wrote:

After an auto loan in November, and almsot all baddies falling off my report my scores climbed considerably. 

Since I am rebuilding, I have opened several cards (QS1, First Premier, Shell Gas Card, Amazon Store Card, WalMart Card, Goodyear). 

This is quite an influx of new monthly bills. To be honest, I'm paranoid about missing a payment. The money isn't a problem, but I dont want it to slip my mind. 

What organizational systems are ya'll using to keep up with them all?  I am not an organized person really, but I do want to keep everything in order so that I NEVER miss a payment! 

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I use Excel and Mint.  I have all my bills set on autopay for the minimum and use Excel to schedule and payoff each month.

The Excel keeps my honest so that I only charge what I can pay off.  Mint each morning let's me know if I've missed something that requires updating my budget.   Let's face it, some bills are quarterly or yearly and you may miss them if you aren't double checking.  

FYI, Make sure your Excel sheet shows due dates and statement close date.

[Anonymous]

I use the Prism app, a paper bill pay sheet with name/date/due amount for every month that is similar to Excel but easier. And I have all my bills set to remind me via email and/or text 7 days in advance. 

Now to pay Medical Bills ontime, routinely go to your insurance carrier's website and down load your explanation of benefits 2-3 weeks after you have a service or visit. Having worked in the healthcare field, which is highly inefficient and slow, it is a good way to be proactive. If you see a doctor routinely, get in the habit of just checking on every other weekend. 

'

I'm not sure if there is a way to set up an automatic email of your EOBs. But you could also sign up with your doctor's patient portal and login to see if you have any outstanding balances if the office is set up to do this. Most electronic health record system are now requied to have this function and most even have their own app. 

This is especially important since medical bills always seem to trip up a lot of people. 

[Anonymous]

It's fairly easy to be honest but maybe I'm just saying that because I only have 4 cards to keep track of (I don't use the CapitalOne Journey). I either set up a payment date right after I get an e-bill or I use credit karma to remind me when a bill is due 5 days before the due date. I love credit karma!

[OMW2_HighAcheiver]

Country_Feller, I likey!
NO auto pay for me. NO Ma'am/NO Sir.

I use Google calendar. Highlighted in red.That is all.

[Anonymous]

I sign into my credit cards and cct daily. overdoing it? yes. peace of mind? yes.