Introducing: Smart Scheduling

Your credit cards have due dates scattered all throughout the month. And every month, like clockwork, you make your payments on their expected due dates. You might even have your bills set up to automatically pay (and here's why we don't like that). From your perspective, it's the The Right Thing™ to do: paying your bills on time prevents black marks from appearing on your credit report (and your credit score is vital to much more than just your lending confidence).

This is a companion discussion topic for the original entry at