Oops! Did you forget to pay a bill this month? After all, how do you pay an overdue bill?
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In the rush of everyday life, it is common for bills to get out of control and we end up forgetting to pay some of them.
However, not paying overdue bills can cause us some losses and consequences. If you have some overdue bills that need to be paid, don't worry!
In this text you will discover How to pay an expired bill. If you're out of money, there's a solution! Keep reading to the end to find out!
Post index:
- What are the consequences of paying a late bill?
- How do I pay an expired bill?
- How to pay an overdue bill with a credit card?
- 1. Mercado Pago;
- 2. RecargaPay;
- 3. PagBank;
- 4. Nubank;
- Conclusion.
What are the consequences of paying a late bill?
Paying a late bill is not good at all and can lead to some losses.
The first thing to note is the increase in interest. You end up paying more than you would have if you had paid off the debt on time.
In fact, in some cases it is possible to get discounts of up to 10% on bills paid in advance.
Additionally, you risk losing the provision of some service when it exceeds the due date.
Some companies give a period of up to 15 days to cancel a service due to non-payment, so it is important to pay attention to due dates.
Another significant consequence of not paying or paying bills late is that it ends up lowering your credit score and making you seen as a bad payer.
If the bill is not paid, you may end up on the defaulters' register and will need to renegotiate the debt with higher interest.
Finally, it is worth highlighting that this forgetfulness may be a reflection of a lack of financial planning and organization.
Therefore, it is very important that you evaluate your finances and do everything possible to organize your financial life.
With good financial planning, you can be sure that no bill goes unnoticed, as you are always in control of payments.
Read the text: How to organize bills and not forget any details?
How do I pay an expired bill?
Before finding out how to pay an overdue bill, Please note that some details may vary depending on the company.
For example, water, electricity, telephone and gas bills can be paid at a lottery outlet, via Internet Banking or through an app, even if they are overdue.
In some cases, overdue bills can only be paid through the issuing bank's channels, as some institutions still refuse overdue bills from other banks.
In addition, there are situations where the interest rate is automatically added to the current invoice, but in most cases the interest is only shown on the next month's bill.
If your bill is already very late, and the service has already been canceled, you need to contact the company to negotiate your debt.
Now, if your name has already ended up in SPC or Serasa due to this delay, you can carry out a debt search on your CPF and check how to print a bill and pay the debt.
The process is very simple and you will not need to contact the company, you can make this query on the website Serasa or companies like Recovery, for example.
Now that you've discovered How to pay an expired bill, it is very important that you do this as soon as possible, to avoid further losses and headaches.
You will certainly be able to organize your finances and feel more at ease. However, if you don't have enough money to pay your overdue bills, you will find a solution in the next topic.
Follow!
How to pay an overdue bill with a credit card?
If you've lost control and left a bill unpaid due to forgetfulness or lack of money, there is a solution.
You can pay it with your credit card, and you can even pay in installments and have more time to organize your finances.
In addition, some institutions offer discounts and even cashback for those who pay their bills with a credit card, a great example is PicPay.
Read our text: How to apply for a PicPay credit card?
To make your life easier, below you will find some more alternative apps where you can pay bills with a credit card.
1. Mercado Pago
You can pay your arrears using the Mercado Pago app and pay in up to 12 installments. The main disadvantage is that this fintech is a bit heavy-handed with interest.
However, in a moment of urgency it can be useful. To avoid greater losses, divide the bill into a few installments.
To pay your bill in installments, you need to have credit available on Mercado Crédito or a credit card.
Download the app and see if there is a pre-approved credit limit for you.
2. RecargaPay
With RecargaPay you can also pay your overdue bills and pay in 12 installments.
Subscribing customers Prime+ have up to R$1,500.00 per month to pay their bills and pay in installments on their card without a service fee.
With RecarPay you can extend the due date of your bills to the same due date as your card.
Pay your water, electricity, telephone, gas and other bills with peace of mind and gain more time to organize yourself without having your service interrupted or being negatively impacted.
Download the app and open your account.
3. PagBank
In the PagBank app, you can register any credit card and use it to pay your bills and pay off your overdue bills in installments.
4. Nubank
Nubank's idea is for its customers to concentrate their spending on the Roxinho credit card bill, and they can even pay their overdue bills in installments.
This fintech offers competitive rates, so download the app and learn about the services it offers.
Conclusion
Despite being a great alternative for those in trouble, institutions charge for this service, but the fee is small and can vary depending on each one.
Run a simulation to find out which option is most advantageous before paying your overdue bill with a credit card.
So, did you enjoy finding out? How to pay an expired bill? Here in our blog You will find a lot of important information about the digital accounts mentioned in this post.
Be sure to visit our category “Cards”.
