Paying Your Credit Card Bill Online
Paying your credit card bill online is actually a good thing for most credit card users.
First, remember a late payment dings your credit score. Mail travels at varying speeds and even gets lost. (Though I don’t believe this happens as often as credit card companies hear this as an excuse.)
Online credit card payments generate a verification code. Once your payment is made or scheduled, you will receive this code. Keep it. It’s proof your payment was made and verifies the time. As one credit card company advertises, “Paid online is paid on time.”
Second, while most credit card company’s offer to suspend your paper statements once you begin paying online, I recommend you continue to receive paper statements. Believe me, you’re paying for them, and if you ever need paper, electrons may not be a good substitute.
Third, take care of computer security. Be certain the computer you use is secure and without viruses or malware. Don’t use the same user name or password for different accounts. Avoid using a publicly-accessed computer. Take all the precautions necessary to ensure your electronic transaction is protected from hackers.
Fourth, verify you have enough funds available in your checking account to cover your payment when you click, “Pay Now”.
Other benefits of paying your credit card online are that you can do it without going to the post office or mail box, you can usually schedule payments in advance, you have access to a lot of information about your account when you log in and in most cases can easily review a history of your payments and transactions. You can even schedule email reminders about upcoming payments or cautions about credit amounts, ala “your balance is now over $800.00″.
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