Best credit cards for late payment -
Life happens and the time fly by. Sometimes you can even forget to pay your time credit card bill. While credit card late payments is usually accompanied by a heavy tax, there is great credit cards out there that are much more lenient than others.
Not only these credit cards offer 0% APR introductory, but some of them to forgive you for being late altogether, saving you from pesky fees. Unlike these cards to understand, most credit card companies charge fees that are usually around $ 35 every time you pay late. Other misfortunes that procrastinators face payment penalty interest rate that sometimes come into force after the late payment is made. This may include removing the promotional interest rates. For example, if you have a promotional 0% APR for a given period of time, the credit card issuer you change on a regular basis according to your credit if you continue to make late payments. These can be huge increases in interest and fees can really add up. So if you are still a little behind, including your monthly bills, see the best credit cards to pay late.
Which credit cards are best for late payment
Citi Simplicity Mastercard
The Citi Simplicity MasterCard and Citi Visa Simplicity are our best choice for the end of the rebate payment. These stellar cards offer a 0% APR for the first 18 months. Although there are balance transfer fee is $ 5 or 3% of the amount of each transfer - whichever is higher - the 0% APR for 18 months applies to balance transfers as well, so you can pay off your debt faster. The best part about these cards? Absolutely no late fees, penalty fees or annual fees - ever. If it sounds too good to be true, trust us, it's not. You will never be charged late fees or you pay a penalty interest rate after missing several payments.
NOTE: Although there are no late fees, the credit card issuer can still report late payments to the credit bureaus. If you fear that late payments may be reported on your credit report, it is best to contact the issuer of your credit card and inform them of the late payments and ask if they can keep the negative activity your credit report. Many credit card issuers are willing to work with customers if they are not perpetually late with payments.
Check out this transfer card balance
Although the card Discover balance transfer is not as forgiving as the Citi Simplicity credit card, it offers stellar rewards and more tolerant than most credit cards there. First, if you transfer your balance from another credit card to discover, there is an 18-month 0% Introductory APR for regular expenditures, there is a 6 months 0% introductory APR as well. There are no limits or fees foreign transaction on the card. And for all you procrastinators, you can pay up to midnight ET online or by phone your due date without a fee and pay late will not increase your APR . There is also no late fees on your first missed payment. Regarding the rewards you earn 5% cash back up to $ 1500 in some categories that rotate on a quarterly basis and 1% cash back on all other purchases.
Discover Student Card
If you are a student, then procrastination can not be so new to you. Fortunately, Discover lets slip a little with their student he Discover card. It offers both a 0% APR on purchases and balance transfers for 6 months and handsome rewards cash back on purchases in certain categories that rotate quarterly, similar to those mentioned for the Discover it balance transfer card. And while you need an excellent credit to qualify for the old, you just need a fair credit score for a student card. There is no annual fee, no-limit and no foreign transaction fee (ideal for students who intend to travel or study abroad). Pay late will not increase your APR and there no late fee on your first missed payment.
For more information on all credit cards that we look at NextAdvisor, visit our credit card comments page.
Disclaimer: This content is not provided or commissioned by credit card issuers. Opinions expressed here are author's alone, not those of credit card issuers, and has not been reviewed, approved or otherwise endorsed by credit card issuers. This content was accurate at the time of this post, but the terms and conditions of card can change at any time. This site may be compensated by the sending credit card affiliate program.