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Reader’s Question:

I know that I have been mailing in my credit card payment on time, but the bank says it usually arrives late. I still prefer sending out payments in the mail, but with the late fees accumulating, I need to reconsider other payment options. Can you help me out on how avoid late fees and interest?

Jonathan

Columbus, OH

Yes, credit card interest rates and fees are on the rise. Before, credit card providers used to charge a late fee only if you were late by a full billing cycle. But now, you may provoke a fee even if you are just a day late. But if you have a clean track record, if you think you would be late, a phone call may be all it takes to waive the charge as a courtesy to customers with good payment history.

These can be your guidelines to avoid late fees and interest:

• Follow your card issuer’s payment rules precisely- To ensure that your payment gets credited immediately, it’s a good idea to mail your payment at least one week in advance of the due date. If your credit card bills are due at a time of the month when you’re running low on cash or before your pay date, many card issuers will let you set or move your own due date — if you ask. This will help you manage your finances each month.
• Pay minimum immediately- It is also a safe strategy for those who sends a card payment by snail mail to pay the bill as soon as it arrives, even if you can only make the minimum payment. Another great way to guard against late fees is to give your issuer the 2 percent minimum payment it requires as soon as possible and you can always send a bigger payment when you’ve got more cash.
• Payment options – Other ways to pay would be paying your bills online, paying over the phone, via express mail or wiring the payment. Just make sure that you send payment with proper postage to the payment address requested by the card provider.

Tags: advice, credit counseling, credit repair

Reader’s Question:

My credit standing in Las Vegas, NV is in a very bad shade. I think I need professional help for my credit issues. Would there be any qualifications for me to be able to avail service of a debt settlement agency?

Caren

Las Vegas, NV

Nothing can give you more peace of mind that dealing with your debt problems as soon as you can. But the question that you might be asking is: do you qualify for debt settlement in Nevada?
There can be many ways of credit repair and acquiring a debt settlement is one way to deal with debt problems. Do you already know the steps required in getting approved for a debt settlement? You remember some points before seeking debt settlement in Las Vegas, NV.

First of all, you have to know the type of your debt. You also need to be aware that not all kinds of debt can qualify for a debt settlement. You can ask your local debt settlement company in Las Vegas whether the debts you owe are acceptable or not. Normally, the types of debt that are suitable for settlement with agencies are personal loans, medical debt, credit card debts- just to name a few.

Some debts that would not qualify which I can name are loans with collateral such as government loans, mortgages, car loans, military debts and loans from Credit Unions.
The good thins about consulting debt consolidation agencies is that you will be able to get sensible advise on how you can control your spending so you will never be in a bad debt again.

Tags: credit counselling, credit management, credit repair, debt consolidation agency, debt settlement

Reader’s Question:

I need urgent help with credit repair for a bad credit card debt which haunts me all the time. What are the ways I could consolidate my credit card debts in Jacksonville, Florida?

Karla

Jacksonville, FL

Do not worry too much about your debts, Karla. For any one who is in a bad credit, there are always some options for credit repair that can be done in Jacksonville. One way is to consolidate credit card debts through a balance transfer credit card. This will be possible if you own more than two or more credit cards and you have existing balances with each of these cards. Essentially, this means that you have the option to consolidate these balances into one.

It’s good to know that there are available balance transfer credit cards that usually offer lower rates of interest or zero APR for a certain time period. Say, zero interest period may last from 6 months up to one year, by which during this time, the credit card holder can pay off the original amount of his credit card balances. This can happened even without incurring additional interest rates. Mind you that even if balance transfer credit cards offer only a temporary relief, you can take advantage of this period to get off from credit card debts.

For most who can’t control spending and are clueless about debt management, there needs intervention by a debt consolidation company to facilitate credit repair and get free from debts. If you are one of these people in Jacksonville, Florida, then debt consolidation agency might be necessary. Although, remember that it is still possible to work on your own debt reduction plan without seeking help from a debt consolidation company in Florida.

Tags: credit counselling, credit management, debt consolidation agency, credit repair

Reader’s Question:

I messed up my credit a great deal and I want to be out of my debts as soon as possible. Is there any agency or company that can help me manage my credit? My life in Tallahassee, Florida is very much out of sorts because of a bad credit.

Tommy

Tallahassee, FL

You better consult a credit management or debt consolidation agency in Tallahassee, FL. These agencies in Florida will help you execute an efficient budget plan or debt management plan not only to get free from debts but also to avoid getting stuck in debt all over again. Do you practically find it difficult to manage your finances or control your spending all the time? Then the problem that you have may be a lot more serious than you think.

Seeking credit counseling is a very wise decision for anyone who is immersed in a bad credit. This should help you take control of your finances now and forever. Just remember to check the background and reputation of the credit counseling agency you’ll run to in Tallahassee, Florida. This is because there are many false credit counseling agencies that do not offer help at all. These fraudulent companies, which might be around in Florida too, can charge unreasonable fees for their services and will not be a great help.

The company’s track record is so important that you need to do a little research in Tallahassee. Try not to be too desperate and choose one that is accredited by the government of Florida FL and national organizations.

Tags: credit counselling, credit management, debt consolidation agency

Reader’s Question:

My brother found that out that his credit card has been billed in error several in the past. The latest error was made two months ago when he was charged for something he did not purchase. He sent an e-mail to the credit card company only to get a response saying the issue should have been brought to their notice sooner. What should I do in case the same thing happens to me?

Dana

Clearwater, FL

The law identifies a wide range of card problems as “billing errors.” An example of error is being charged for something you did not buy which is exactly what your brother’s case has been.

Good news is that the law is on your side so you can fight the improper charge should the same happen to you or to him again. And what gives you the right to fight rather than pay is The Fair Credit Billing Act.

The important rule to be protected under this law is to dispute any errors you find on your bill in writing. And the best thing to do is to send a dispute letter ASAP because e-mailing or faxing a letter will not protect you. And the reason why you’ll have to mail your dispute letter quickly is because the deadline for notifying your credit card company is only 60 days from the date that the bill was mailed out to you.

Your letter must include your name, address, your account number as well as a clear description of the problem and don’t forget to keep a copy for your records.

Lastly make sure you send your dispute letter to the address for “Billing Inquiries,” which should be listed at the back of your bill.

Tags: credit card debt, credit counseling