LEMJMcC Posted October 26, 2022 #1 Share Posted October 26, 2022 My final payment due date is just around the corner. I normally pay the remaining balance a few days ahead of the deadline. How long do you folks wait? Link to comment Share on other sites More sharing options...
TeeRick Posted October 26, 2022 #2 Share Posted October 26, 2022 A few days ahead in case something goes wrong. Not on the final day. 9 Link to comment Share on other sites More sharing options...
time4u2go Posted October 26, 2022 #3 Share Posted October 26, 2022 As long as possible. No sense letting them hold my money any more than necessary. 4 Link to comment Share on other sites More sharing options...
BND Posted October 26, 2022 #4 Share Posted October 26, 2022 I have our TA pay it usually 4 or so days ahead. And, when we do a b2b, we pay them both off at the same time. 1 Link to comment Share on other sites More sharing options...
mek Posted October 26, 2022 #5 Share Posted October 26, 2022 It usually depends on the cut off date for my Amex, which I pay off each month. If I can push the payment into the next billing cycle, that gives me an extra month to not have to part with my $. LOL. 6 5 Link to comment Share on other sites More sharing options...
GGLC Posted October 26, 2022 #6 Share Posted October 26, 2022 So if my final payment day is the 31st do I have to make it by the 30th or can I do it on the 31st? Link to comment Share on other sites More sharing options...
Rare xpcdoojk Posted October 26, 2022 #7 Share Posted October 26, 2022 Exactly, like I pay any other bill. On the day it is due. I schedule the payment thru my TA, just like I do on a credit card. I schedule it to pay on the due date. JC 2 Link to comment Share on other sites More sharing options...
MommaBear55 Posted October 26, 2022 #8 Share Posted October 26, 2022 9 minutes ago, GGLC said: So if my final payment day is the 31st do I have to make it by the 30th or can I do it on the 31st? Is the 31st on a weekend? If yes, I wouldn't risk it as it may not post until the Monday. I like to do it a day or 2 ahead just so I don't forget on the day of. 1 Link to comment Share on other sites More sharing options...
George C Posted October 26, 2022 #9 Share Posted October 26, 2022 We also do it a few days to a week before necessary. 1 Link to comment Share on other sites More sharing options...
BND Posted October 26, 2022 #10 Share Posted October 26, 2022 21 minutes ago, xpcdoojk said: Exactly, like I pay any other bill. On the day it is due. I schedule the payment thru my TA, just like I do on a credit card. I schedule it to pay on the due date. JC We never carry a balance on our cc so it doesn't matter when we pay it off as we pay off the card every month. Our TA is a good friend and we try to work around her schedule too as she also works full time. Being a TA is something she now does for friends and family so she sometimes needs to work around her schedule which is fine with us. Link to comment Share on other sites More sharing options...
jamestown478 Posted October 26, 2022 #11 Share Posted October 26, 2022 I usually pay it approximately 5 days before it is due. Link to comment Share on other sites More sharing options...
LEMJMcC Posted October 26, 2022 Author #12 Share Posted October 26, 2022 Thanks all. Those responses are right in line with what I typically do. I, too, am one who does not carry over a balance on my credit card, and I only have the one. Though sometimes I wonder if I ought to have a second as a back up in case my primary quits working... Link to comment Share on other sites More sharing options...
ONECRUISER Posted October 26, 2022 #13 Share Posted October 26, 2022 Before Due Date, things happen. I've seen them canceled within hrs of Final time/date... 1 Link to comment Share on other sites More sharing options...
Tulsacoker Posted October 26, 2022 #14 Share Posted October 26, 2022 89 days out for a 7 night cruise 😉 Link to comment Share on other sites More sharing options...
BND Posted October 26, 2022 #15 Share Posted October 26, 2022 2 hours ago, LEMJMcC said: Thanks all. Those responses are right in line with what I typically do. I, too, am one who does not carry over a balance on my credit card, and I only have the one. Though sometimes I wonder if I ought to have a second as a back up in case my primary quits working... We have a couple of back up cards. Our primary one is our Amtrak Rewards MC. Just on Sunday, Amtrak moved banks for their cards. Our new one was declined yesterday when I got my hair done. DH called and was sent to the fraud dept. The explanation: algorithms haven't figured out spending patterns so it was seeing small purchases as evidence of fraud. DH decided Sun/Mon would be a good time to buy about 15 $.99 books for his Kindle so they shut the card off. I was pissed as we lost out on over 250 Amtrak reward points from my hair appt. I had to use another card. They turned it back on and it worked for the $75 groceries I bought today. I just hope it doesn't give us problems on our upcoming trip. We leave on Halloween for 5 days in FL and then a b2b on Jewel. No way the algorithm can know spending patterns it's never seen, sigh... Anyway, in my experience most people pay off their cruise at least a couple of days before like we do, just in case something happens. 1 Link to comment Share on other sites More sharing options...
JupiterTwo Posted October 26, 2022 #16 Share Posted October 26, 2022 Many of my cruises have been booked within the final payment date, so I was always paying the whole fare at once. My current booking is probably the furthest out I've ever booked, so I'm going to pay within a week of my final payment date. Link to comment Share on other sites More sharing options...
neverbeenhere Posted October 26, 2022 #17 Share Posted October 26, 2022 I would like a discount for paying all of the reservation upon booking. Other than that, we pay automatically when our TA charges it to my account about a week prior to official final payment date. 1 Link to comment Share on other sites More sharing options...
smokeybandit Posted October 26, 2022 #18 Share Posted October 26, 2022 Absolutely zero reason to pay prior to the due date (or the TA's due date which is commonly a few days prior to the cruise line's due date). 1 Link to comment Share on other sites More sharing options...
mek Posted October 26, 2022 #19 Share Posted October 26, 2022 3 hours ago, LEMJMcC said: Thanks all. Those responses are right in line with what I typically do. I, too, am one who does not carry over a balance on my credit card, and I only have the one. Though sometimes I wonder if I ought to have a second as a back up in case my primary quits working... In addition to Amex I also have Visa - not everyone accepts Amex and it's good to have a back-up. 2 Link to comment Share on other sites More sharing options...
Rare xpcdoojk Posted October 26, 2022 #20 Share Posted October 26, 2022 I have a ton of credit cards. I never carry a balance over. I never pay a late fee. I never pay interest. My TA has an online payment area, exactly like a credit card company/bank has. It is my money, they get their money when it due. I am not giving out short term loans. Scheduling a payment it is just as easy to schedule for the due date as a random 5 days, 3 days, one week etc early payment. My electronic Calendar let’s me know the due dates, and I pay them a couple of times a month along with Cell phone, utility and other bills. Probably takes me an hour to pay all my bills this way. The DW pays all of the bills that are still in the 18th century that require a physical check. If we ever miss a payment it is one of those, where a bill gets lost in the mail. All of the others I know exactly when they are due, and for the rest of time since they are set up as recurring events. I have a credit card for Costco, Sam’s Club, Marriott, Hyatt, Hilton, AA, United, Discover, Capital One, Amex Platinum card, Amex Blue, Home Depot, Amazon, some department stores (Nordstrom Dillards), and a few I never use, but used to. They all pay me back for purchases in ways that are unique to each. I get 2% minimum back on every purchase I make. My credit rating is almost perfect. JC 2 Link to comment Share on other sites More sharing options...
dani negreanu Posted October 26, 2022 #21 Share Posted October 26, 2022 I prefer to pay a week ahead. Human mistakes happen, and, luckily, my TA called and alerted me that my card was rejected... Someone typed 3 instead of 8.... So, yes, since until lately the interest paid by banks was practically nonexistent, I didn't mind paying ahead 😉 1 Link to comment Share on other sites More sharing options...
lenquixote66 Posted October 26, 2022 #22 Share Posted October 26, 2022 8 hours ago, LEMJMcC said: My final payment due date is just around the corner. I normally pay the remaining balance a few days ahead of the deadline. How long do you folks wait? As soon as possible. Link to comment Share on other sites More sharing options...
Rare DaKahuna Posted October 26, 2022 #23 Share Posted October 26, 2022 We pay off a day or two prior to the final payment date. If it's a B2B, we pay both off at the same time. Link to comment Share on other sites More sharing options...
deliver42 Posted October 26, 2022 #24 Share Posted October 26, 2022 About one week before final payment date. Link to comment Share on other sites More sharing options...
BND Posted October 26, 2022 #25 Share Posted October 26, 2022 5 hours ago, smokeybandit said: Absolutely zero reason to pay prior to the due date (or the TA's due date which is commonly a few days prior to the cruise line's due date). Our TA doesn't do that. She literally pays the cruise line directly using our cc info. It's one reason I prefer a friend/small TA over the big ones. Link to comment Share on other sites More sharing options...
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