7/26    The due date for my mortgage is on the 1st of every month, yet the bank
        says I can have till the 16th of every month to make a payment to
        avoid any late charge or bad credit.  Does that make sense?  I thought
        the due dates on credit card bills and phone bills for example are the
        last day to avoid late charge or bad credit.
        \_ It's a grace period, you putz. Don't try to use it. By the way,
           credit cards usually give you 30 days before reporting and the
           phone company won't report you at all as long as you pay
           eventually. --dim