Credit report online free Panama City

I use credit report online free Panama City a couple of different credit report online free Panama City credit cards every month to pay my bills and handle basic spending (groceries, gas, etc.). I also have one random card that I use to pay my traffic toll tag automatically.

About once every other month a new toll charge hits. This card, unfortunately, cant be paid automatically. At least I couldnt figure credit report online free Panama City out how to pay it automatically. As an aside, I recommend that everyone sets up automatic payments on their credit cards. That way your entire balance is paid off each month without you having to remember. Its just a good system to have in place for all of your cards. Long story, short, I missed the payment deadline on this randomly used card, credit report online free Panama City and didnt realize it until a couple of credit report online free Panama City days later. free credit reports free Once I credit report online free Panama City realized it, I immediately panicked and logged into my online account. My first thought was credit report online free Panama City that I need to remove the automatic toll charge that hits my card every other month. A more routine, monthly bill would be better suited for keeping this card active. My next thought was to make a call and ask for forgiveness. I called up the bank and begged to have the credit card late fee waived, sighting my prior clean record. free credit report score The rep took my payment (from my other bank debit card), and waived the late fee! But I dont think that would have worked as effectively.

I think its key in these situations to take credit report online free Panama City the passive approach. You are far more likely to get the result you need if you play it cool.

If you cant convince the rep in a nice way, then I suggest asking to speak to their supervisor: someone who can waive the fee for you. Keep working your way calmly up the chain of command until you get the credit report online free Panama City outcome you desire. I guess the moral of the story is to always ask to have your credit card late fee waived.

Odds are, if its your first time, they will waive the fee. find free credit report If its your second credit report online free Panama City offense, you may credit report online free Panama City have to work a bit harder.

The other lesson learned is to setup automatic payments credit report online free Panama City to your card so that its paid off in full each month.