It is simply getting ridiculous the charges credit card companies are imposing on consumers who are late making payments. Yes, creditors have a legal right to do what they are doing, however ethically speaking that is certainly open to debate! Let's look at some ways you can avoid costly credit card late fees:

1. Pay your bills on time. This one is obvious. When you get your bill, open it up and pay it right away. Waiting means forgetting or hoping that your payment arrives on time.

2. Pay online. Paying via your computer is faster than mail services, but there is still some lag time from when you authorize a payment and when the payment is finally credited to your credit card account.

3. Automatic payment. If your credit card provider permits it, have them automatically deduct a set amount from your account every month. That way they'll get their funds well in advance of their due date.

4. Fight it. Just because the credit card company said that your payment was late doesn't mean that it was late. Call them up and ask them to reverse the charge -- now as high as $39 -- and to adjust their records accordingly.

Allowing credit card companies to run roughshod over you is one sure way to worsen your credit card woes. Know your rights and take action as required.

Matthew Keegan

If you are looking for a successful and prolific article writer, than Matt Keegan is the man for you. As The Article Writer, Matt writes on a variety of topics including advocacy, automobiles, aviation, business, Christian themes, family, news, product reviews, travel, writing, and more. At present, Matt is a top ten writer on this site and a frequent contributor.

Matt writes web site content, ezine distribution [article marketing/SEO], for newsletters, and for print material. His speciality is topical writing.

In addition, Matt is the owner of a successful web design and marketing company based in North Carolina, USA. Matt manages several sites including two high performing business aviation sites: the Corporate Flight Attendant Community and the Aviation Employment Board.