Live within your means Enough said. If you mail in your payment the day before it's due, don't expect it to be there in time. Many credit card companies take an extra day or two to process incoming checks. You could easily lose your rate and get charged a late fee. Being late could also signal your lender that you are in financial trouble, and they could raise your minimum payment.
Credit cards are generally unsecured loans.
They are backed by your promise to pay. If you have other promises to keep, like a mortgage or feeding your family, go with the important stuff and notify your lender of your situation. Make More than Minimum Payments You know this. Disputing your bill If you feel you were incorrectly charged on your bill, there is a procedure in place to help you contest the charge. If the merchant cannot prove that you made the purchase, the charge will be removed.