- Platinum Member
- Posts: 93
- Joined: Wed Aug 17, 2011 10:53 pm
- Location: USA
I have a tidy collection of cards and I keep my bills organized by 1) setting up perpetual/recyclable Task List/To-Do List reminders in my smartphone, 2) setting up my due dates on my bills so that half of them are due towards the beginning of the month and the rest are due towards the middle end of the month, 3) setting up text message reminders with the credit card companies that have such functions (I love this feature with AMEX and Chase), 4) and simply remembering what days I chose to have my bills all due.
In this particular manner, I more or less remember WHAT DATES my bills are due as opposed to remembering WHAT BILLS are DUE and WHEN. Once I remember the billing due date, THEN I remember that X, Y, and Z bills are due. To help me remember is that recycling Task List/To-Do List where I have a nice list of ALL BILLS DUE for that particular day of the month.
Some things to possibly bear in mind:
1) Your billing due date WILL NEVER EVER CHANGE unless you yourself ask for it to be changed.
Thanks to the Card Act, credit card companies no longer are allowed to 'shift' your credit card due dates around. Therefore, a bill for a certain card will ALWAYS be due on a certain day of the month. Remember that day.
2) You can ask a credit card company to shift the due date of your bill as a courtesy (usually only after that bill has been paid for that cycle).
Let's say you have a bill due on the 5th and another on the 10th and you keep remembering one and forgetting the other. You can get both bills due on the 5th or 10th and so you only have one billing DATE to remember. If you keep a calendar, you can circle the DATE and make a note that A Bill and B Bill are due on that date.
3) If you have text messages and your credit cards have online billing options, there may be a way for the credit card company to send you a text message informing you of a due bill.
If emails are getting lost and so are statements and such and you have a good text message plan and your credit card company offers the option, enroll in their messaging feature.
4) Enroll in Auto-Payments to Pay the Minimum (or the Full Statement)
This is a SUPPLEMENT to everything else, and a failsafe for when you accidentally forget to pay. For example, I caught the flu and was knocked out for the entire week where I had a section of my bills due. Thanks to Auto-Pay, my accounts were updated while I was knocked out for the count.
AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)
AMEX: Costco True Earnings
VISA: Chase Ink Cash