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The greatest sin in debt repayment is late payments. The penalties include raising your interest rates, large fees, or denial of new credit lines or mortgages.

Please take this survey and let us know about your experience with late payments.

SURVEY QUESTIONS

Have you ever paid your credit card bill late?
Yes
No
n/a

If you answered 'Yes' to the above question then continue.

Were you charged a late fee? 
Yes
No
n/a

If so, how much?

Did the bank raise your interest rate?
Yes
No
n/a

If yes, then from what rate to what rate?
Initial Rate:
Penalty Rate:

Did you ever call the bank to ask them to waive that late fee? 
Yes 
No
n/a

If you called, did they waive the fee? 
Yes 
No 
n/a

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