Historical clue formulations

• What autopay helps avoid — 2026-04-03
• Charge for tardiness — 2022-10-19
• Charge for an overdue payment — 2022-06-27
• Penalty for missing the payment deadline — 2021-11-15
• Fine example? — 2020-10-30
• Visa problem — 2017-12-07
• Book borrower's penalty [5] — 2017-09-20
• Video store penalty — 2013-04-07
• Visa charge — 2012-07-22
• Fine, in a sense — 2009-06-26
• Unwelcome discovery on a credit card statement — 2007-07-20
• Visa charge — 2006-03-04
• Payment penalty — 2004-05-27
• Payment procrastinator's penalty — 2004-04-07
• Procrastinator's comeuppance, perhaps — 2002-11-22