Quote:
Originally Posted by wdfifteen
A trick that might be helpful.
I have my credit card set to auto pay the minimum balance every month. That way even if (ok when) I forget to pay the bill I'm always in compliance with the TOS. Last month for the first time in years I paid the bill a week late. It cost me a few bucks in interest, but no penalties and no report to the bastages at Experian, etc.
I hate Experian. My wife responded to one of their "Credit Alert" come-ons. It scared her, she did something, and somehow as a result they started charging her credit card $17 a month to monitor her credit score. Their cancellation procedure was so convoluted she ended up having to cancel her credit card to get them to stop charging her.
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I have two credit cards. One I use for my business expenses, and one for my personal expenses. Bot are set to automatically pay whatever the statement balances is on the day it is due. The credit card company takes care of it all, so never an issue. In the last 15 years or more since I got those cards, I have paid a grand total of ZERO in interest.
The tough part was getting them to understand that yes indeed, we might start the day with $200 in gas, and several hours later need another $225 in Colorado, and later $175 back at home on the same day. Cars can't do that but a Cessna 182 sure can suck some gas. We finally got them to just let any self serve gas at an airport to be approved all the time.