Avoiding late fees

Late fees are money for nothing, and late payments on credit accounts can hurt your credit. A simple system prevents most of them.

Step by step

List every due date
Rent, utilities, phone, cards, loans and insurance.
Use autopay for at least the minimum
On credit cards and loans, autopaying the minimum protects you even if you forget, and you can still pay more.
Line up due dates with payday
Many companies let you change your due date. Ask.
If you pay late, ask for a waiver
If it's a first late payment, many companies will waive the fee if you call and ask politely.

Good to know: Set reminders a few days before due dates for bills that aren't on autopay.

General information for US consumers, not financial or legal advice. Company policies and state laws vary; check your agreement and your provider's current terms.