One day late. That’s all, just one day late and my credit card with the lowest balance whopped me with a $29.00 late fee.
True, it is my fault it was late – but it was one day! Ugh, all I could do was kick myself. That was $29.00 that could have been used for something else. To top it off – they raised my interest rate by almost 2%! As if the $29.00 wasn’t enough 🙁
I could sit here and write a million excuses why it was late but I won’t because I have to take full accountability for what happened. That sounds so extreme as I write it, but it’s true. When you want something so bad, you have to keep focused and learn from your mistakes.
And learn I did. All of my credit cards now have the ability to schedule payments ahead of time online. And that day – I scheduled ALL of my payments for the month. That is what I am going to do from now on.
Oh – and I am even more pumped to kiss that credit card goodbye! 😉
If you call them and let them know your mistake (forgot…messed up the date) they should be willing to refund the charges and put your interest rate back (happens to the best of us on occasion…including me). Most companies will usually do this once a year or every six months 🙂