So, I paid my credit card bill late this month, which I HATE HATE HATE. I recognize that no matter what, it's ultimately my fault. But it wasn't even that I didn't have money to pay the credit card...it's just that the dang due date for Citi Bank's Credit Cards changes so often and I lost track of when it was due this month! It's never a set date, though it's usually between the 10-15 of the month (though I've had at least one payment randomly due on the 28th, and another randomly due on the 25th). This month, I checked my account on the 7th, and the payment was already due on the 4th. I know it's my fault for not checking into it sooner, but it is really frustrating not to have a fixed payment date.
And then, even though I made a payment as soon as I saw it was late, I've been getting calls from their freaking collections department at all hours. Hello, I already made a payment, and even if I hadn't, I wasn't even a week late when they started calling. And I'm sure they'll raise my APR too. Bah.
Like I said, I KNOW it's my fault, but it's just frustrating for me to be late, especially since we had been doing so well with snowballing our debt!