If the U.S. Postal Service wins congressional approval for its proposal to eliminate Saturday mail deliveries, the result could be a late-fee windfall for credit card issuers or that consumers will be prodded to pay more bills online.

Banking industry experts say the Postal Service's money-saving proposal, recommended by the agency's board of governors at an April 3 meeting, could force consumers to pay their card bills earlier, or risk owing penalties. These observers also say that if U.S. mail service were cut back to five days a week, the major credit card issuers - some of which recently paid large class action settlements over late-fee disputes - might have to soften their policies or extend grace periods to avoid customer outrage.

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