7 credit card mistakes experts never make

How much longer are people going to let the media tell the public that they are all idiots.Simply because we aren't the so called experts, here is a real news flash. All of the above listed, should be common sense to most people and for many these suggestions actually are.

U.S financial media is a joke, the author of this article is a joke.

Enough with this useless information, post something truely relevant or get out of reporting.

For the sake of everyone, please Stacy Johnson

We need to stop subsidising the rest of the world. We need to stop being the world`s policeman. We need to stop being the world`s conscience. WE NEED TO SOLVE OUR PROBLEMS HERE AT HOME!!! 12% unemployment rate for returning veteran, shameful!!!! We need to apply all our resources to solving our own problems here at home and stop trying to fix everyone else`s problem. Our rallying cry needs to be " AMERICA FIRST!!!" We need to address our shortcomings, we need to prescribe strict term limits on our Congress and limit the amount of outside influence on our government. It is not our destiny to provide for the rest of the world. When we as a country can feed every person, house every person and EMPLOY EVERY PERSON, and raise our education level to where it needs to be for us to be competitive in the world then we might think about the rest of the world. "AMERICA FIRST!!!!!" To be honest who cares what the rest of the world thinks about us? I don`t really care what they think, I am more concerned with my country that I served. Do you really care?

Paying online or by phone only works if your card company do NOT charge a fee. I forgot once and wanted to pay by phone. lesson learned. That 15 dollar fee help me remember for next time.

The "demand paper statements" is what I used to do until I started getting statements a week after the payment due date. Wonder how that happened? Why was it taking over 3 weeks from the cut off date to get a statement to my house? I was never late with a payment so that wasn't an issue but here is what I discovered surrounding this occasional issue. The local USPS (snail mail) always blamed the credit card company for not sending the statement on time. Plus, they could not investigate because the credit card company uses 1st Class bulk mail which does not put any cancellation postmarks on the envelope. So there was no proof of when the statement was mailed. The credit card company would not investigate or give any information regarding their billing/mailing procedures. I got the impression that the billing and mailing was contracted out to a billing service. It always fell to I am responsible for a timely payment whether I get a statement or not. I accept that but don't put me at a disadvantage. Further investigation on my part also revealed that there is a problem for the USPS if the envelope is not a standard #10 or regular personal size. My credit card company uses a small square envelope as did my phone company which I also had problems with delivery and missing bills. A local bank I use sends statements in a larger greeting size envelope and they would be missing 3-4 times a year. There is also a pattern of delivery issues for incoming and within the city but not for outgoing mail where I live. If the USPS is a problem, document everything and never complain to the local post office. Look up the national 1-800 number for delivery complaints and calmly give the issues you are having and get a reference number and say yes to being contacted by the local postmaster. This will go on record for that facility and they must answer and report to a higher authority. If you complain to the local directly it will not go any further and usually will not have any effect on poor delivery. But not to put all the blame on the USPS I did find that the credit card company I use does have a lot of complaints about slow or non delivery of statements. The credit card company I have problems with? HSBC. A credit card/bank I never had statement delivery issues with? Bank of America. They use a #10 envelope for all statements. Go figure that one. Maybe the envelope size is the issue. Or maybe some credit card companies are trying to get you to be late because you pay on time and in full every month which pays them the minimum they can get from your business. As far as this article and the demand paper paper delivery goes, I understand the reasoning behind it. Electronic statements and reminders are very easy to let go because they aren't in your face like a paper statement lying around the house.