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Credit card late fees are a fact of life for some consumers, but they donít have to be for you. Legally, credit card companies can hit you with pretty much whatever fees they want. On the other hand, you donít have to pay them, but only if you avoid them in the first place. Here are five sure fire ways you can avoid costly credit card late fees:

1. Pay Before the Due Date. Of course, this makes the most sense. However, this is also the single most important reason why people get socked with fees: they receive their bill and immediately forget about it! When you get your bill, open it up and pay it promptly. Waiting means forgetting and forgetting about your credit card bill will cost you money.

2. Pay on the Internet. If you have access to a computer, then paying online is the best way to make certain that your payment gets to your credit card provider on time. Be careful, as there is still some lag time from when you authorize funds to be released from your checking account and when that payment is finally credited to your credit card account. The gap between the two can be as long as one week!

3. Schedule Automatic Payments. Some credit card providers allow for you to set up a scheduled deduction from your checking account which is then automatically sent to your credit card provider. You should set it up to take money out of your account well before the due date to ensure that your funds are received on time. You can always send in a separate, extra payment if you want to pay down your debt faster too.

4. Question a Late Payment. Even if the credit card company claims that your payment was late, it doesn't mean that you must be charged a late fee. Contact the company and ask them to reverse their charge Ė- which usually runs between $29 and $39 -- and to expunge their records of your tardiness. You not only want to avoid any fees, you want to avoid their possible notification of your lateness to the three major credit report agencies [Experian, TransUnion, and Equifax]. Any information supplied to the credit reporting agencies can work against you in the form of higher interest rates on current cards as well as on future loans!

5. Go with the Citi Simplicity Credit Card. Now, consumers have a new option to help them avoid late fees: Citiís new Citi Simplicity card doesnít charge late fees. Please click the link below for more information about this breakthrough card.

Taking the appropriate action can help you to avoid late fees and allow for you to keep more of your money in your pocket. Become better informed and start saving money today!

Exciting summit to take place in New Brunswick, New Jersey during "Black History Month."

New Brunswick, NJ (PRWEB) February 1, 2006 -- The Kerwin Phillips Foundation announced today that the second in the series of several exciting financial seminars would be presented to youth, and their respective families. The financial literacy training is intended for anyone who aspires and yearns for innovative, exciting, financial information. The sessions are designed to specifically address unique financial challenges and solutions.

The event -- themed, "Money: Empowering Youth And Their Families To Achieve Financial Freedom," will be held at Abundant Life Family Worship Church in New Brunswick, New Jersey where Bishop George and First Lady Mary Searight are pastors. The training is free and is open to the public from 9:00 a.m. until 5:00 p.m. It will take place on Saturday, February 11, 2006. The attendees can expect to be informed and inspired. Exciting, "how-to" presentations on topics such as, tips on establishing savings and investment accounts, budgeting and planning, homeownership and equity. A session specifically designed for youth will show them to how to start, and successfully operate their own business is also planned.

Featured will be successful entrepreneurs of all ages including, 10-year old, A'Miracle Goudy who owns and oversees the operations of three, successful businesses. "This seminar is powerfully different," commented the seminar's host and CEO of The Kerwin Phillips Foundation, Que English. "Because (February) is black history month, our focus is not just reviewing history, but making history. We want to train parents how to leave a legacy and train children how to build one. Who is the next history maker after the 'Martin Luther Kings' and 'Rosa Parks'? Whose picture is going to fill the next frame? And who will be celebrated in the upcoming years?"

Research shows that in 2004, American teenagers poured over 170 billion dollars into the American economy. Two of the seminar's objectives are to educate and inform this segment of the population about financial management and skills; as well as to introduce permanent, life-transforming, fiscal habits.

"I was asked why I was so passionate about this," English explained. "And, my answer is because I did it all wrong and now it pains me to watch young people take the same path of overspending and insurmountable debt. We have a generation of children growing up not knowing how to balance a checkbook, abusing credit cards, and raping their future. They're that way because their parents were that way, and their parents’ parents were that way. It’s a vicious cycle and we’ve got to stop it. I'm encouraging parents, children, pastors, youth groups, outreach centers and other like-minded organizations so that we may raise a generation of financially responsible children."

Partial List of Featured Speakers:

- Ken Brown Entrepreneur and Author, "From Welfare to Faring Well"
- Lori Mackey, Entrepreneur, "How to Teach Children Financial Literacy Financial Literacy As Early As 3 Years Old"
- A'Miracle Goudy, 10-year old operating three successful businesses
- Dr. Stan Harris, Entrepreneur, Motivational Speaker and one of less than 100, 10th Degree, "Black Belts" in the world.
- George Searight, II, 22-year old entrepreneur and Vice President of a thriving investment company
- Sarah English, 18-year old Award Winning Entrepreneur, author of three books (wrote first book at age 9), owner of her own book publishing company
- Representative from The National Foundation for Teaching Entrepreneurship
- Representative from PNC Bank, East Brunswick


Hilton East Brunswick Hotel, East Brunswick, NJ
PNC Bank
Werner Entities, Inc. Founder, Teri Werner, owner of the Tim Brown browser, provider of Internet safety, protecting children from online predators and pornographers


Financial Destination Inc. (FDI)
National Foundation for Teaching Entrepreneurship (NFTE)
PNC Bank
Hilton East Brunswick Hotel, East Brunswick, NJ

About The Kerwin Phillips Foundation

The Kerwin Phillips Foundation is dedicated to providing opportunities which foster financial empowerment to members of low-income communities. The organization continues to work in collaboration with The National Foundation for Teaching Entrepreneurship (NFTE), with the goal of igniting the entrepreneurial spirit. The Foundation is also dedicated to educating the community in the areas of HIV/AIDS and substance abuse through fine arts.

This news release contains forward-looking statements and projections concerning the organizer's plans, strategies, expectations, predictions, operations and future events or conditions. They are "forward-looking statements" as defined by the Private Securities Litigation Reform Act of 1995. Words such as "expect," "believe," "anticipate," "may," "will," "plan," "intend," "estimate," "could," and other similar expressions, are intended to identify these forward-looking statements.

Press Contact:
Que English
The Kerwin Phillips Foundation
Phone: 214.668.1917

Money: Empowering Youth Toward Financial Freedom Summit
Abundant Life Family Worship Church
Saturday, February 11, 2006
Hosts: Pastor Bishop George and First Lady Mary Searight
9:00 am - 5:00 pm
259 George Street
New Brunswick, NJ 08901
Phone: 732.545.3897

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