On Thu, 07 Aug 2008 14:28:52 +0100, Phil Cook wrote:

>>>  Same thing with the majority of utility bills - the invoice comes
>>> through  and the payment drawn a few days later. In some case they'll
>>> charge you an  'admin' fee for not doing it this way.
>>>
>> Yeah, I might try and get organized enough to try something like that.
>> At least for bills.  I didn't know you could do it for credit card.
> 
> Well you can in the UK

You can with some cards in the US as well.  We do autopay for nearly 
everything (but we also look at the bills closely, too) - I think one of 
our basic services (water, electric, something like that) doesn't have 
the option, and Discover doesn't do that, but they do let you pay 
online.  So I just go and submit next month's payment when the previous 
month's clears.

Got hung up *once* with this because the payment I put in ended up being 
less than the minimum (had to get the brakes done on the car - and we 
used the wrong card) and I got a call from their collections department 
the *day* after the bill was due.  We got them to reverse the late fee 
and reinstate the 0% transfer balance, but it was really surprising they 
turned it over to collections so quickly.  Discover Financial apparently 
is struggling.

(Of course you wouldn't know anything about them in the UK, since 
virtually nobody accepts them over there)

Jim

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