Credit Users move and do not receive bills, payments are mailed to creditors and because of holiday mail or mistakes by the postal carrier, the payments are received/delivered/conveyed late. The late payments, although not the fault of the consumer ultimately end up as a derogatory item on their credit reports. Late payments cause increased interest rates. Recognize your rights as a consumer and learn how to barricade the credit card companies from profiting on your misfortunes.
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