Category Archives: charge

Most charge based on the average balance for the month

so the earlier you pay, the less interest you are charged.
Because most of my snowball payments don’t change from month to month, but the due date varies by as much as several days, I have scheduled automatic payments 10-14 days before the date the payments are due.
It used to be that I would pay them on the last day possible, but this way, they don’t “get me” by moving the due date around, and paying on the early side is only a good thing.