Mike
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bad news....they just wait for you to be late....so they can charge you all those fees....but they will not report you....
wow....whats up with the thumbs down on here....
I'm outa here, man..... |
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Gladiater
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There is no hope now. You have really done it. Don't your realize what you have done? You paid of the entire balance at once. How are these needy people at the bank going to rip you for big percentagesif your going to pay off your entire account..Have you no mercy? I hope you don't plan to get married, try to buy a home or some christmas gifts at the mall. Your credit history is ruined and there is no way out for you. |
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stan c
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Don't panic. Wait 60 days and then request your free credit report thru annualcreditreport.com or call Trans Union at
1 877 322 8228 and they will do all 3 reports for you at no charge. If it shows over 30 days 1 time, then you can call the credit card company and ask if they could remove. |
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lynne
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you will not be reported that quick however they may try to charge you a late fee which costs around $40. you can get out of it though especially if this is your first time. you'll have to call and ask for it to be removed though good luck |
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fishineasyâ„¢
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You pay the late fee! |
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rhaavin
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You will be charged a late fee. Somewhere around 30 or 40 dollars. And Depending on the credit card company, they may (will) hike your inerest rate, (Capital One anyone?) not just for that credit card but everything you have like insurance and other credit cards.
They do not usually report it unless is it around 20-30 days late. Then it gets reported to the credit companies. Well, at least that is what they tell you. |
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One Sexy Jeep Girl
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If the payment is late at all (even if only 1 day) they can report it as late, charge you any late fees, in some cases up your interest rate. |
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Vampir V
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The credit card company will kill you! |
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Judy1
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They'll probably get you for interest and a late fee, but aren't likely to report it to the credit bureaus. |
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wildeye_checks
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Nope. Credit card customer scores are not based on payments. They are based on the number of purchases and the length of being a cardholder. And also, if this is your first time to miss the payment, you can ask a customer service personnel to waive it. Most of them won't mind at all because they wouldn't want to engage a long argument just because of the fee. Don't ask them now though. Wait for the charge to show up on your next statement. Coz until the statement comes, they can't do anything about the charge since it is "currently being processed". Also, you will be charged interests since you paid in late. It's possible to waive that too depending on the amount. Good luck! |
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Roger
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late fee |
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starconfusionco1
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no you'll be fine, you might get a small charge depending on ur company and credit. usually once you miss payments after 3-5 days after due date you start getting charged a small certain amount daily until the bill is paid off, also depending on credit, you might only get charged 30 bucks for that one month of late payment. dont fret over it as long as you are paying the bills. one late bill isnt an issue unless u have financial situations |
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imtoosmart
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They will still charge u... sorry to say that but most credit card companies are strict! Thats how they make money. One time I was late on paying the bank by 10 mins. n they still charged me! Hate bank rules... |
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rick
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you shall be charged |
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SenorLuces
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Santa will not bring you presents, as you've been really, really bad. |
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hottotrot1_usa
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You may get a late charge. Don't worry about one late payment... |
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Richard S.
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You have to be over 30 days past your "due" date to incur a late mark on your credit. So if payment is due on Aug 10 you must make a payment before Sep 10th. Credit card companies usually charge late fees themselves. They can also raise the interest rate to a "default rate" which is much higher. |
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I wipe my own @$$
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There is usually a grace period of a few days or so, nothing is going to happen, pay it asap!! |
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dstennessdlaxk12wius
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You won't be reported to the credit bureau as being late unless you go 30 days late. You will probably have to pay a late fee. |
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destiny007
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nothing if you pay within a week and let the company you owe the late payment 2 know about it. |
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Georgia Girl
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They will probably bill you a late charge possibly with a finance charge tacked on. If you're late they report it..they don't care... |
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lisacat12345
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They might report it as a 'late pay', but it won't affect your credit as much as, say, a '30 days late'. As time goes on it will affect your credit score less and less. |
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favored2win
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well, first of all, its pretty awesome you care. a lot of people dont. problem is, they will charge you a fee most likely. if you pay your credit cards on time, you will be considered as having good credit. If you pay more than the required amount, it will help your rating as well. since you did not do this intensionally, I would call the cc company, talk to a cc customer service rep, explain to them what has happened and they can take off the extra fees incurred, if they cant help, ask (kindly) to speak with a supervisor, and on up. Always be kind. they get a lot of screamers and yellers and a kind person will most likely get what they want. |
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QT
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No, sweetie. It's only reported to the credit bureau when it's thirty days late. |
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shiri4passionparty
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I doubt you will get a negative on your credit report, but you ill get a late fee for sure. |
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♥shadow♥box♥
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lol, take it easy and breathe into a paper bag dude. you have to pay the monthly charge and a late fee which usually $15 - 30. the late fee goes to nothing except to line some guys pocket. they actually like it when you have pay a late fee. it's free money for them. |
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Hill Topper
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You will get charged for it being late. |
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Treece
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they'll probably call you names too |
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pinkyismygirlfriendniluvhur
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it jumps to 22% now along with any loans you have or will ever get |
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Victoria
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your interest rate doubles! |
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sf_omega
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No. Most credit cards have a 15-day grace period as long as the entire balance is paid off. Most have a 5-day grace period for payments even if you don't pay the full balance off.
To be sure, pay the full balance off ASAP. They won't negatively report you to the credit agencies.
In addition, call the credit card company and let them know the situation. They'll work with you. |
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