Dear Mary: Recently I made a credit card payment on time using online bill pay but later received a late payment fee and interest charge. I complained, and it was removed, but the woman on the phone told me to pay the account five days before the due date. Why? Because they don't "process" the payments necessarily on the day they receive them, even electronically! Where in the information are we instructed to make the payment at least five days ahead to avoid fees? -- Lucy K., Tennesse ...
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