How to Make Timely Payments on Your CREDIT CARD– It’s Your Responsibility, Meaning…

…do NOT rely on receiving statements in the mail, if you don’t do all your banking on line. DO NOT rely on what your credit card computerized system tells you  ON THE LAST DAY, before you experience FINES for late payments!!!

We know, or should know, that timely payments on all our bills, but particularly on credit cards, are essential not only to establish a good credit score, but also because the second you MISS the deadline for paying at least a minimum payment on what you owe, you get a fine. Mine is $25.00!!!

As I was driving today, my subconscious mind “spoke to me,” (very bad timing, never let your subconscious talk while you drive) and it whispered: “Isn’t your credit card due today???

In a panic, I dialed the customer care as soon as I got home. I didn’t receive a paper statement… may be because of the Holidays…???

The ROBOT lady informed me of all my options: PAYMENT!!! I shouted several times, and she understood me, at last! Then calmly, as nothing could anger a lady robot, she informed me: “NO PAYMENT IS DUE, DO YOU STILL WANT TO MAKE A PAYMENT?”

“Cool,” I thought, but then she said something about my points. I wasn’t sure what to do with points, or what they were, and also, in the back of my mind I had a nagging suspicion that my card payment was due TODAY! 

I asked clearly the robot lady: “REPRESENTATIVE, please.”

“Sorry, please select one of the following options…”

Okay, none of her options were a human!

I asked calmly again, but skipped the please, as it didn’t seem to help.

No, she was stubborn, so I shouted:

“Human, human, I need to speak to a HUMAN!!!”

After hesitations, and her voice sounded hurt… may be:)) I was transferred to an “ASSOCIATE.”  Please take note, not a representative but associate is what the robot will likely understand.

Once I was speaking to a human, I asked about the points and what they meant, but the “subconscious voice,” nagged me again about the last date when I could pay my credit card without a $25.00 penalty. So, as I always listen to my inner voice, I asked the associate:

“Could you please check WHEN IS MY PAYMENT DUE, your automated system told me there was NO amount due and I didn’t get a statement.”

YOU GUESSED IT!!! Indeed, my payment was due today. The robot was wrong and I had no statement.

I made my payment on time just because I listened to my … inner fear? voice? God?

I politely told the associate,” This has nothing to do with you, personally, you are doing a great job, but this sucks for the clients… is this ON PURPOSE? I hope we are on a recorded line and I ask that you report what happened to your Manager.”

I hang up and in addition to sharing with you this experience, I learned my lesson to write down the due dates of ALL my bills and not “expect anyone else,” to remind me, or tell me the truth, even if it is their responsibility. Whom was I going to blame if I were late? The robot?

One last thought… always try to pay the entire amount due on your credit card on time. If you cannot, at least make a payment MORE than the minimum required. If you check your statements (if you get hold of them) you will notice that interest compounds and if you make minimum payments and continue to use your card, soon you will be at your credit limit and in debt.

In conclusion: 

Pay your credit card on time and do not trust the robots!


Hello Dear friends who have been , just like ME, schemed when  in our eternal innocence and trust in human mankind GAVE this company our credit card information, so they MAY charge the under $4.00 shipping and handling charges. After all it was advertised as a FREE trial!!!

When I first shared on my blog the nightmare I encountered, I did it because this is what I DO: THIS BLOG SHARES EVENTS WHICH AFFECT MY LIFE FIRST, and being a humble person, I assume others might be in the same shoes as me and I share!

The response to Buyer Be Aware I II and Update has been overwhelming and soon I discovered that this was a much bigger “fish” than I first imagined. The post is after almost eight months from when it was first published, the NUMBER I Post READ on my blog.

What does this tell me… may be the scheme didn’t stop, may be despite the thousands of bad reviews they still operate from the shadows of deceipt.

With that thought in mind, I did a search for “DM Face Cream FREE TRIAL. (please note IF you are dyslexic, like me, you could easily read MD and assume falsely this is some kind of MD approved or tested product. Well, it is not! and all the way down the web page there is a disclosure in an ugly black square which tells the truth no one reads)

Okay… so today after Church, I was inspired and did this search. To my pleasant surprise, the web site which popped up was named: The Performance Leader (

Wow! I was impressed for a moment… well may be two, until I started putting 2 and 2 together. This is a personal opinion, but here is what I think:

The color scheme of this site had soothing yellowish, white and light blue colors. If you know a little about how our mind works, you know that statistically these are colors which make people trust. Unlike red which in general means NO unless you are on Valentine’s Day and then it means LOVE.

Well, this totally new website had a real face lift!!!  In addition to the color scheme, as I faced the computer screen, to my left there was the face of a woman, eyes closed in the extasy of using the products (I assume)

To the right (where we actually look FIRST) one could spot a jar (again, blue and white) named REJUVAL Skin!!! This fantastic NEW product was rated 4.8 of 5 stars rated by??? who

Under the Rejuval jar, another new product VIVEXIN (for Eyes) Rated 4.7 of 5 stars.

On this first page, insinuating that this is a company which rates MANY TOP PRODUCTS (may be they do) there is a whole “team of experts.”

I started to read through their credentials but decided on a better use of my time and clicked AGAIN!!!

Surprise! A whole TABLE of “compared facial products.” You guessed, which was the TOP product???? REJUVAL!!!

So now, since DM skin cream has been discovered as the scheme that is, let’s have a site face lift, change the jars, the names and here we go again!!!

We were actually WARNED by a wise commentator on MY site that this group has been operating like this for over ten years.

Rejuval Skin, claims the site, is 2014 Editor’s Choice??? but fails to tell us Editor of WHAT???

This page also contains raving testimonials. But… but if you are like me, a curious mind, and go three pages of clicks in the green zone, the testimonials change. In this much lower zone, they are negative, and I mean negative as in a cloudy night with no stars!


Just as I was about to give up on it because my bake good was burning in the kitchen, I clicked ONE MORE TIME ON:


YES!!! Click and HERE IT WAS !!!

THE INFO WE ALL WANT (in ugly black letters) :

“Hello, We are NO LONGER accepting new orders….” you get the idea.

I decided to be nice and wrote down for YOU, my readers and fellow schemees, the CONTACT INFO:

Tel. 1800 385-2561 (returns— see conditions!!!)


and a warehouse in Lutz, Florida!!!

There is also an icon if you wish to cancel your subscription (good luck with that!)

A note of caution:

If you cannot get through to them and your card keeps being charged $100s the easiest way to stop it, is to call your bank or credit card company, report the fraud and ASK for a NEW CARD.

Many of you thought I  was a company which will get your money back, or complain for you.

I am sorry to disappoint but I am ONE WOMAN and this is a community service project, meaning I do NOT get paid for it.

Please continue to share your experiences and I will post them. This is HOW we learned.

If you use computerised comments, please don’t write because your comment goes to spam. I don’t even see it.

I hope this UPDATE was good news for all.

Keep your money safe by not signing up for free trials and have a great week!


During this exciting process of discovering