How Can I Avoid A Late Credit Card Payment?

A late credit card payment can have consequences, leaving you strapped with extra fees and penalties. Trying to avoid late fees is always a good idea, as when debt builds up, it negatively affects your credit history, which causes more negative consequences down the line.

In our guide, you’ll learn how to avoid late credit card payments and prepare for a financial emergency should it arise. And if you ever need emergency cash to avoid late fees, consider a title loan for fast cash today!

6 Tips To Avoid A Late Credit Card Payment

There are several strategies you can employ to avoid late credit card payments. By being proactive, you can ensure you avoid the consequences of late credit card payments. 

1. Enroll In Auto Payments

Enrolling in auto payments is the easiest way to avoid a late credit card payment. Almost all credit card services today provide auto payment options. Auto payments automatically withdraw money from your account to pay the minimum or another set amount on your bill.

This allows you to set it and forget it. Set up the auto payments, and you can trust that your credit card will be paid.

The problem with auto payments is that you must have an appropriate amount of money in your account for auto payments to be withdrawn. In other words, you must have more money in the account than what is being withdrawn. If you don’t have sufficient funds, auto payment will not be made.

So, you must ensure that you have enough money in your account before every payment cycle. Only by doing this can you trust that auto payments will take and pay off your credit card statement on time.

2. Set Up Payment Reminders

In addition to enrolling in auto payments, you can set up payment reminders. Most credit card companies offer payment reminders in their services. These reminders will often be in the form of an email. You will get an email reminder in the days leading up to the payment.

It’s a good idea to use reminders in addition to auto payments. That way, you can ensure sufficient funds are in your account on payment day.

3. Mark Due Dates In Your Calendars

If payment reminders are not your thing, you can mark due dates in your calendar. This can include physical calendars or the calendar on your phone. It’s a great idea to add due dates to your phone calendar so that you can be alerted.

You obviously have to check the calendar in order for this tip to help. That is why we recommend putting the due date in your phone calendar. Your phone will pester you as the day is approaching. That way, you don’t have to think about checking the calendar.

4. Pay After Every Paycheck

Credit card payments are monthly, but most people get paychecks every other week. You can ensure you never miss a due date again by paying after every paycheck. Pay after every paycheck to pay your credit card statement twice a month. Even if you miss one payment, the other monthly payment will keep you in the safe zone.

5. Call Your Provider

If you know you’re not going to meet the minimum for the upcoming month or you just realized you missed the due date on accident, call your provider immediately. Many providers will work with you if you are a reliable customer with no problems.

If you miss your due date, make sure to pay the minimum balance as soon as possible. If you pay it within 30 days, the late payment will not affect your credit score.

6. Select A Credit Card With No Late Fees

If you are worried about late payments, select a credit card with no late fees. This can alleviate some of the stress associated with late payments. Still, make your payments on time as frequently as possible to avoid any impacts on your credit statement.

Need Help Paying Your Credit Card Bill?

If you need help covering your credit card bill this month, don’t panic. Instead of making a late credit card payment, you can apply for an online car title loan. An online title loan can get you up to $15,000 in a short amount of time.

You only need three items to qualify: a driver’s license, a lien-free title, and your vehicle for inspection. If you have these three items, you can use your car title to get the money you need for your late credit card payment.

Apply For An Online Car Title Loan Today

Don’t drown in late credit card fees. Instead, use the six tips above to always make your due dates. If you need help paying for your credit card payment, apply for online car title loans from At Home Title Loans today. You can get a title loan online today by submitting a short inquiry on our website or calling us directly at 800-514-2274.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.