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Late CC payment
Ugh with my kids being sick and one in the hospital I totally forgot to call in my CC payment. I’ve had the card since 06, put a few hundred on it recently (350 to be exact) I rarely use it, maybe 1x a year so it’s not like I have a monthly payment and I totally forgot to call in a payment. I called tonight to pay $100 but it’s 3 days late is this bad? I’m going to call when customer service opens tomorrow. I’m so upset I never pay things late and I can’t believe I forgot
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Posted 10/19/17 6:42 PM  |
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Long Island Weddings
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MrsG823
Just call me Mommy.
Member since 1/11 5570 total posts
Name:
S
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Late CC payment
Call and speak to customer service tonight when you make the payment- if you generally pay on time they will often wave the late fee.
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| Posted 10/19/17 6:48 PM |
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Katareen
5,000 Posts!
Member since 4/10 7180 total posts
Name:
Katherine
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Late CC payment
I've had late fees waived many many times. If you call up and tell them you had a personal hardship they should certainly do it for you this one time.
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| Posted 10/19/17 6:52 PM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: Late CC payment
bad as in reported to the credit agencies. Usually a one time lateness wont get reported. its repeated lateness. they will probably waive the late fee for you as well if you call and explain what happened.
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| Posted 10/19/17 8:41 PM |
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jerrysgirl
I love my hot dog!!
Member since 6/06 5357 total posts
Name:
E & J
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Re: Late CC payment
Posted by MrsG823
Call and speak to customer service tonight when you make the payment- if you generally pay on time they will often wave the late fee.
This.. I pay on time almost all the time. This year I missed a payment and they waived the fees due to excellent history of paying on time.
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| Posted 10/19/17 8:56 PM |
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chilltocam
LIF Adult
Member since 11/11 9141 total posts
Name:
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Re: Late CC payment
Posted by jerrysgirl
Posted by MrsG823
Call and speak to customer service tonight when you make the payment- if you generally pay on time they will often wave the late fee.
This.. I pay on time almost all the time. This year I missed a payment and they waived the fees due to excellent history of paying on time.
This. And if you're concerned about it being reported as a late payment, I'm pretty sure it has to be over 30 days late to show on your credit report
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| Posted 10/19/17 9:07 PM |
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jillee03
LIF Adult
Member since 8/05 953 total posts
Name:
Jill
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Re: Late CC payment
Hope your kids are ok and feeling better
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| Posted 10/20/17 6:01 AM |
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Momma2015
Mommax2
Member since 12/12 6656 total posts
Name:
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Re: Late CC payment
I missed one payment- my debit card, which I use to pay, was compromised and I forgot to update the automatic payment of my CC, and they didn't charge me late fees. Also didn't affect my credit score.
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| Posted 10/20/17 8:01 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Late CC payment
This happened to me once in the past. I called and explained that I always pay my balances in full, never carry a balance and always always pay on time. I asked that they remove the charge as a courtesy and they did.
In general if this is the first time it happened and they can see that you always pay on time, they will remove it as a good customer courtesy.
Definitely call and explain the situation.
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| Posted 10/20/17 8:18 AM |
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Late CC payment
Thanks all! I called this morning and they waived the late fee and then just paid the remaining balance so I don’t have to worry next month about a payment! They were very nice about it. I’ve had the card since 06 and never missed a payment so they didn’t give me a hard time thankfully
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| Posted 10/20/17 10:39 AM |
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