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Barry Paperno is a freelance writer and credit scoring expert with decades of consumer credit industry experience, serving as consumer affairs manager for FICO (formerly Fair Isaac Corp.) and consumer operations manager for Experian. For example, if your account's statement closing date was the 20th of one month, your payment would be due on the 20th of the following month. Then a number of years ago the card companies came up with the payment due date, which, while leaving the billing cycle -- when payments, charges and all other credits and debits are posted to an account -- at the traditional 30-day length, served to shorten the amount of time available for paying the bill by anywhere from three to 10 days, depending on the card company.He writes "Speaking of Credit," a weekly reader Q&A column about credit scoring and rebuilding credit, for Credit With this change, any payment made after the payment due date is now considered late, typically resulting in a late fee and in some cases when occurring repeatedly, a delinquency added to the consumer's credit report.That said, you'd become part of the the reason why Flight details often change, though changes might be so minor, like a different aircraft, that you won't even be notified.So hold out as long as you can to pay that cancellation fee, since the airline could announce a schedule change, extra layover, delay, cancellation, or weather related disruption that will get you to a refund.And if those flights are too pricey, look into "flexible fares," which most airlines offer as an add on, and allow you to wave certain fees and surcharges. Get travel insurance Some travel insurance covers flight change fees — read the fine print and make sure to choose one that does. Don't show up for the flight According to the Washington Post, not canceling a flight ticket and simply not showing up for it can sometimes be cheaper than canceling it and paying the change fee, especially if you only need to change one leg of the trip, or if you used miles or some sort of credit to pay for the ticket in the first place.That said, you'd become part of the the reason why flights notoriously overbook these days, as around 15% of passengers are said to be no-shows. Watch out for any changes to your flight Flight details often change, though changes might be so minor, like a different aircraft, that you won't even be notified.
In fact, the US Department of Transportation has a regulation that says that as long as you've booked your ticket seven days in advance of your flight, you can change or cancel it within 24 hours of booking without paying a cancellation or change fee.Any change could qualify you for a refund and help you avoid the change fee.Of course, depending on what this change is this could involve you calling and making a scene, and might be dealt with on a Also, if you bought two cheaper one way tickets, say for 0 to 0, rather than one expensive round trip, you could just be a no-show (see #5) and buy a new ticket, and still come out spending less than the change fee.That said, if you book two one way tickets and need to change both of them, you'll have to pay two change fees.A rule of thumb is that when the total cost of a trip is more than twice the change fee, book a round trip ticket.