Table of contents
Chapter 1: Match card and lifestyle
Chapter 2: Credit reports and scores
Chapter 3: Costs and fees
Chapter 4: Managing your cards
Chapter 5: Using credit wisely
Chapter 6: Special-need card users
Late fees at community banks range from $15 to $30. Community banks are more likely than conventional banks to waive late fees for their customers under special circumstances, such as job loss.
Credit unions give card customers some leeway as well. Generally, a credit union will accept a card payment 14 days after a due date without penalty. And if a credit union should charge you a late fee, it will only be $15 on average.
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