If the change is approved, be sure to confirm when the new due date takes effect, so you don’t miss a payment. Rather than trying to arrange this online, you’ll want to call the creditor’s customer service and ask a rep if changing your due date is an option. Some creditors are happy to adjust your due dates, particularly if it means you will pay on time. If you struggle to pay bills on time because the due dates don’t mesh with pay days, you may be able to change the due dates, so they better align with your cash flow. Due to time zone differences, sometimes payments will count as late even if you pay them later in the day on the due date. Be sure to set them up at least 5 days before the payment date. If you’re not comfortable setting up auto-pay due to inconsistent income, setting electronic calendar reminders for yourself to pay bills is another way to be sure you pay them on time. If you don’t, you’ll end up with overdraft fees and potential late payment fees from the creditor if the payment doesn’t go through. You’ll want to make sure you have enough money in your bank account to cover those debits when they hit.
BILLS TO PAY EVERY MONTH FULL
With utilities, the utility company will debit the full amount of your bill (look into equalizer payment plans to avoid seasonal spikes).
Set-up is usually quick and easy, and once it’s complete, you won’t have to ever worry about paying bills on time again.įor credit cards, you can set up your bills to pay the minimum balance, statement balance, or a set amount every month. The easiest, most efficient way to ensure you pay your bills on time every month is to set them up on auto-pay. Imagine seeing negative entries on your credit report, just because you forgot to pay a bill or two on time - UGH! Review these tips to help you make sure you’re always paying your bills on time. Even a single late payment can cause your score to drop, so it’s essential to pay your bills on time, every month. In fact, payment history makes up 35% of your FICO score. But there is one factor that has the most impact: whether or not you pay your bills on time. The three major credit bureaus take several factors into account when determining your credit scores.
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