Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid credit card late fees [title] Read your contract carefully. [step] When you get a new credit card, read all parts of the contract carefully. In particular, study the section on payment requirements and the penalties for late payments.

Ending1: Then talk to your repairman and ask if he will be charged for late payments. [substeps] You need to be very careful about making late payments. Ending2: You want to get the best deal possible for which you can reasonably pay a late charge. [substeps] There should also be a rule of thumb that it is a good idea to go over the agreed-upon rules and find out what the exchange rate will be in return for your late fees. Ending3: [substeps] Knowing the nature of your late fees will help you if an early notification happens. You can find a clear schedule online where you can review your paperwork a variety of times. Ending4: If you understand the contract terms, you will be more likely to remember and comply with them. [substeps] If you have had a card for some time, but you never bothered to read the contract, call the customer service office.

Answer format: ending1/ending2/ending3/ending4