It won't be easy. Fall from grace Gone are the days when issuers allowed 10 or 15 days for a payment to arrive after a due date before charging a fee. Thanks to dwindling grace periods customers have less time to pay bills after they arrive in the mail. You've got to be quick with that card payment. If your payment arrives one day late, you'll be punished.
Some issuers even have early morning posting times.
Say your bill is due at 6 a.m. on its due date. If your payment arrives with the 9 a.m. mail on the day it's due, it may still be considered late. New fees for other transactions Credit card issuers also have introduced new fees for balance transfers and overseas transactions. Several issuers charge transaction fees of 3 to 5 percent whenever you accept a balance transfer offer. Most issuers charge these fees as soon as a balance is transferred onto a card.