Check Out These Best Tips for Making On-Time Credit Card Payments

Sometimes you get caught up in a million different things that you may forget to pay your credit card bill on time. However, this mistake should not be repeated as falling behind on your credit card bill payments can negatively affect your credit score.

Credit card companies generally share your credit card payment details with significant consumer credit bureaus. A report filled with delays and penalties will lower your credit score. This will prevent you from availing of better financial services in the future.


To help you avoid such mistakes, this article contains some of the toptips to help you make your credit card payments on time.

Check Out These Best Tips for Making On-Time Credit Card Payments

Create a Budget

One of the primary reasons people fail to make their credit card payments on time is that they have no idea where the money for the payment will come from as they’re tight for cash at payment time.


To help with this issue, make a written budget that will help you track and keep your expenses in check. If you have a plan for every penny you spend, you won’t face money issues when it comes to on-time credit card payments.

A budget also helps you prioritize your spending on other expenses such as utility bills, telephone expenses, and monthly groceries. Calculate the amount remaining from your income after all of your necessary expenses. That remaining money should go toward making your credit card payment. Anything left over should go into savings.

Make a List

If you have multiple credit cards, it can be hard to keep track of all the different payment due dates. To avoid missing a payment, create a list of all your credit cards, preferably at the start of every month.


The list should include the credit card details, the transactions carried out, and the payable amount due. Once you have your list ready, separate it into two categories — the credit card payments that can be done automatically and those that can’t.

At the end of the month, crosscheck the list to ensure that each credit card payment has been taken care of. If you still find any entries with pending payment, make the payment ASAP.

Change Your Due Dates

Your credit card payment dates are the same every month. However, if you usually end up with late payments, it means that those dates are inconvenient.

It might be due to various reasons, including getting paid later than the credit card due date. Try talking to your credit card provider to see if you can get your payment date adjusted to a feasible one.

For instance, if you receive your salary on the 7th of every month, you can ask to get your credit card payment date changed to the 10th or 15th of the month rather than the 1st.

Similarly, you can also change the due date if you have too many payments due at once. Most credit card providers will comply with your request, making the credit card payment process a bit simpler for you.

Leverage Technology

To make the tasks simpler, you can lean on various technological tools available. Some of them are provided by the credit card issuer, such as SMS and email alerts reminding you of upcoming payment due dates.

If you don’t want to rely on your credit card provider for reminders, you can make use of sites like Followupthen to send automated email reminders to yourself a few days before the due date. You can also set reminders in your Google calendar for the same.

Similarly, you can turn on auto-payment features through your online banking services. However, you should only set up auto-payments if you have a fixed, reliable source of income. If you have irregular income or don’t have sufficient funds in your account, you should opt for manual payments.

Check Out These Best Tips for Making On-Time Credit Card Payments


By developing and sticking to a budget, you can make paying your credit cards an easy task. It may look like you will require a lot of effort, but in reality, once you start following your plan, the rest will be a cakewalk.

And it’s all worth it, as you’ll end up saving on the late payment fees and the strong payment history can help improve your credit score.