A few years back my husband and I were burdened by credit card debt. The one thing that compounded the problem was late fees. In some cases our balance was doubled by additional late fees. We had so many cards that we could not keep track of what was due when. The physical act of having to write a check for all the bills was so stressful that we tended to put it off which only made the problem worse. Then I discovered a useful tool:

Automatic Bill Pay Service

Management of your credit cards is essential in order to maintain a good credit rating. One way to avoid late fees is to use automatic bill paying. Using this simple tool can get you back on track and avoid costly late fees.

Many banks today offer bill pay service for customers who access their bank accounts online. Some offer this service free if you have more than one account or sign up for other services. If you use Quicken