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I am unable to make payments on Verizon on line when nothing is due

I am unable to pay my bill when zero is due. The bill is generated and you have a limited time to pay before it is late and then a hefty fee is charged. Doesn't seem like much but to working class families every penny counts. I live in NYC and the rent is not cheap. Verizon should give me the option to prepay my bill before it is generated.