Most banks offer basic online billing services for free, and you can set up automatic billing payments to avoid late fees. Online payment is a simple process, for example: logging into your account on the Verizon website, then navigating to the Billing section, clicking on it, you will be prompted to enter your bank account number and other information. Then authorizing the bank to pay the bill for you.
The payment-to-income (PTI) ratio is a percentage that describes your car payment in relation to your pre-tax income. As an example, if your monthly car payment is $300 and your gross monthly income is $3,000, then your PTI is 10%.
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