Late payment fees are charged if you miss your repayment date or pay less than the minimum amount.
To help avoid this, set a reminder in your calendar for your regular repayment date to ensure payments are made on time.
Alternatively you can also set up an automatic direct debit for your monthly credit card payment. You can select to make the full repayment, minimum repayment or a set dollar amount.
These four tips can help you avoid paying ATM operator fees: