I freely admit that I'm a creature of habit and have always been a little fanatical when it came to paying bills. Maybe it was growing up poor, but I've always tried to pay things on time even before I had heard of a credit score. Plus, I really hate late charges. It's one thing to pay a late charge because you just didn't have the money available to pay on time. But, to pay a late charge because you forgot the bill? It's like throwing a pile of dollar bills in the floor and setting them on fire. It really irks me and I never really understood it until it happened to me.
I don't remember what was going on in my life at the time, but I remember totally forgetting to make a payment on an installment loan. This was years ago before you could even get a free credit score. I ended up calling the company and they waived the late charge for me. I don't think companies are as understanding with their fees these days. But, it's always worth a try. I've had a few payments lost in the mail. No, really, they were lost in the mail. Of course, I didn't know until the next bill came in with a big fat late charge. Let that happen on a credit card these days and you'll end up with 24% or higher interest. It's just easier to pay the bill online.
After years, and I do mean years, the due date changed on my electric bill. Before I even had a house of my own, I'd go with Mom to pay our bill. So, that due date has been in my head since I was a child. They changed it because they were going to centralized billing. Really? Couldn't the central computer use the same due date? So, here I am trying to remember if this is the week the bill comes in the mail. Hopefully it won't get lost in the mail.