Credit card users, do you know that you can save more money if you will pay your due in advance? Here's Neil story as a proof. Neil is a Mastercard holder. He always makes sure that he sends his payment a week to ten days before the statement due date. In that way, he can avoid late payment fees and possible interest rate increases in his card. Neil is aware that once he pays late, there will be a penalty charge. So, he makes sure that he pays his dues before the date stated in the statement of account.