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And if you do make a payment late, call up your credit card issuer and ask whether they will waive the fee and not raise your interest rate. Credit card companies often allow good customers to be late without penalty once in a while. * Check your credit report regularly for errors and anomalies. If you find a problem, like student credit cards you don't recall authorizing or an account falsely reported at being in default, clear up the issue at once. It's your best protection against credit problems and identity theft.