I've been a credit card holder for more than 10 years now. And never I made a payment after a due-date. Yeah, I hate carrying cash and a credit card is a very, very convenient tool but we always make our full payments on time.
Today, I received a strange request from my main credit card service provider. They asked me that I delay my payment by 1 month and avail of their new lower monthly interest rate. What?!? No way I'm gonna do that - I politely declined, of course.
I thought they're promoting good usage of credit cards... Now, they're promoting the idea of increasing their clients' debts.