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I don't have credit cards, but my gas and electric (the only bills that aren't automatically drafted from my bank) come several weeks before they are due. I usually pay them right away anyway because I don't like to wait and risk it. I definitely don't want to pay more than I have to! $15 or $39 seems like a huge amount for a late fee!
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"Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover." ~MT
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