Ever forget to pay your credit card bill on time? You aren't the only one! But what can you do to avoid a late fee? Call your credit card company and ask them (politely) to waive it. Explain that you regularly pay your bill on time and late payment will never happen again. And if the card company rep rejects you? Threaten to cancel your credit card.Click here for the whole post (it has a link to a great guide on using credit cards effectively).