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My last Discover Card bill included a charge for merchandise that I hadn't yet received, so I didn't pay it right away. I didn't dispute the charge, either, because there was a chance that I'd receive the merchandise before the bill came due.

Instead, I made a note on the calendar to evaluate the situation and then either pay in full or dispute the charge and pay the rest. Unfortunately, I mistakenly put the note on the due date instead of a week before it as I meant to.

The result was that I mailed the check *on* the due date. The new bill arrived today and, to my surprise, there was no finance or late charge. Looking closely, I see now that Discover's "pay by" date is about five days before the statement closing date.

Oh - I did receive the merchandise by the time the bill was due, so I paid in full. Meanwhile, the merchant had issued a partial credit, which appears on this month's bill.
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