Avoid credit card late fees by setting up your online banking to pay the credit card company $30 a couple of days after your credit card statement is generated (but way before you receive it). That way if you forget to pay on time at least your minimum payment has been made and you avoid the late fee.
If at first you don't succeed set fire to something. It probably won't help but it will make your failure more festive. Almost a celebration. My Feedback