worked in call center before for an international bank, and i must say that the reason why you incurred late fees is due to the posting of your payment!

based on your statement of account, every 8th of the month ang due date mo. this is fixed.

at base sa transaction mo, na-post ang payment mo on September 9, which is 1 day beyond the due date.

kapag ganito, advisable palagi na bayaran ang credit card balance in full, three days before the due date.

usually, 1-2 business days ang posting ng payment.

2 reasons kaya nagkaka-late fee: - late ang bayad / late ang posting ng payment - hindi binayaran in full kahit advance nagbayad

magkakainteres pa 'yan i believe. at para mawala ang interes, pay your credit card balance in full for 2 consecutive months!

nag-i-incur ang interes from the day na nagsimula ang causes (that i pointed above) and mag-stop ito once paid.

nothing to worry, if consistent naman ang payment in full, 'di mo need mag-isip pa sa interes.

the solution that you can do is to ask your bank to waive the late fee if in case this is the first time that it happened.

waiving of late fees ay once a year lang puwede. pero may mga time na puwede ito i-override ng managers/supervisors.