I used to have this problem of receiving my credit card statements a few days before the due date and most of the time, I end up paying it after the due date and being charged with a late payment fee on my next bill. Some credit card companies charges P600.00 or a percentage of your outstanding balance whichever is higher. I already called up the attention of the credit card companies about this delay and they will just tell me that "we are sorry for the inconvenience ma'am" and that they do not have any control over the delivery of the statements since they are forwarded to their chosen courier.
My solution? I enrolled my credit cards online so I can view my balances anytime and I do not have to wait for the statements to know how much I should pay. I only have two credit cards now, BPI EXPRESS CREDIT and CITIBANK CLEAR VISA and I can check my balances online anytime and anywhere. With BPI, you need to have an account with the bank first before you can enroll your credit card. With CITIBANK, be sure you have your CASH ADVANCE PIN when you are ready to enroll your account online because they need these numbers.
What are you waiting for? Enroll your credit cards now and avoid paying late payment charges due to delayed credit card statements.
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