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Originally Posted by Bytor Peltor
It mostly depends on the following: Is your card maxxed out? Have you only been paying the minimum each month?? If this is the case, look for your interest rate to substantially rise. This will be on top of the "late fee."
If you pay more than the minimum each month and only have a small amount on the card, then you will probably just pay the "late fee."......but if you are late two months in a row, you will probably receive the rate increase no matter your balance.
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i usually mail it in... no later than the day before... i have never seen any charge for a "late fee"... and i always pay the full balance... i have never paid the minimum... i don't think i've ever maxxed out