My credit is good but im late for my payment every month?

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I have very poor credit is there a credit card i can get?

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shawty

My credit is good but im late for my payment every month?

i have a loan with citi financial and im late every month im really busy .. and i always end up paying late,.. but my credit has never been affected someone said its cuz i pay before 30 days?

bbwebpuppy

Most people think that if they pay past their deadline it hurts them. If you don't wait til the next pay period to pay, then you aren't 30 days late. A 30 day late gets reported not the other.

If you you're bank gives you the option of scheduling payments on line, why don't you simply schedule the payments to be automatically made monthly.

Otherwise, most mortgages are always due on the 1st of the month and late after the 15th. Maybe write a note to yourself where you will see it - your Blackberry, calendar, outlook, whatever will get your attention. Many lenders will allow you to go to their website, program in your bank info and authorize a payment from their site, or call it in. I prefer electronic payments so there's no dispute when they got their money, but that's me.

Hope this helps.

JÃ¤ger

Over time, it will affect your score. See if you can set up automatic deductions for them from your bank account.

Chris M

Don't EVER I repeat EVER be late on a credit card. They'll start slapping on all kinds of fees. They'll raise your rates. Its just NOT good.

Good luck.

jcsthree

Your rating may not be getting worse since you do manage to pay every month but it definitely won't get any better paying late. Before I had electronic checking I was paying bills late almost every month, because I was busy, or out of stamps or whatever.
Get electronic checking (most banks offer it or try Checkfree.com). It makes bill paying so much easier and you can set up automatic payments for loans.

Ms. Angel..

Your credit is not good if you are late every month.
Your payment is due every month on a given date and there is no reason in the world to be late. You signed the loan agreeing to pay on time and on the due date.
You are ruining your credit score.

KKup

You could get hit with a slow pay and they can use your pay history to charge you more interest.

Heisenberg

over time it will impact your score. keep in mind that citi lost $39 billion last year so you can expect them to start acting like ****s.

Megan

They can NOT report you until 30 days is past for example if your payment is due on the 8th of each month and you pay by the 8th of the next month you are safe.

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