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tomg | If I pay my credit card one day after the due date can the credit card company report me to the credit bureaus |
If I pay my credit card one day after the due date can the credit card company report me to the credit bureaus?
I've heard from a CPA's assistant that they can only report you if you are more then 30 days late----is this true? I live in CA |
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shamieya
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they won't report you unless you are 30 days late. the actual credit report only displays late payments in 30 day increments. |
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link00777rl
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yes. how ever most reputable companys give a five day grace period. |
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kalik
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No if your 30 days late she was right but you will pay a late fee |
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Baby boy on board [[April 16th]]
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No they will just charge you late fees! |
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I know, I know!!!!
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I don't think they would report you for only being 1 day late. That's pretty good compared to how some people pay their bills.
Don't worry. |
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Meg...Out of Hybernation
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Unless you are habitually late, they won't report you. It is best that you try to pay on time. The 30 day rule is usually what will appear on your credit report. |
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sortaclarksville
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They won't bother with it for being one day late. You have to be more than 30-days late to be "past due." Until that point, you are merely late with your payment. But, once you roll past another billing cycle, you are past due. |
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Amber
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I doubt you will be penalized for being one day late. However, you may get charged a late fee depending on the company you are with. I think if your payments are always late, then it will probably be reported to the credit bureau. I wouldn't worry about it. |
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P.Y.T.
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yeah they dont report you that soon but they might charge you a late fee. |
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burghgirl
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They won't report you for being one day late, but they will charge you late fees. |
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hansenkh
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They will not report it to a credit bureau until you are 30 days late. If you pull a copy of any credit report, you will notice that the only options are to show how many times you have been 30, 60, or 90 days late on any given account. There is no option for showing an account that is less than 30 days late. If a credit card company shows that you are late and you were only 1 day late, you could dispute it, because that means that they must have put down you were at least 30 days late, so you could file a dispute with the credit bureau to have that removed.
That said, you will be hit with fees, and they can be as much as $40, even for your first time ever being late!! Also, if you are "maxed" on that card, and you are only making the minimum payments, that late fee can push you over your credit limit, and you will also be hit with a fee for that. That fee can also be as much as $40. Some of the credit card companies even have a clause in the cardholder agreement that allows them to raise your APR if you are ever late, so be careful, and try never to be late on your credit cards!
Someone above said that they will not report it unless you are habitually late, which is not true. If you go over 30 days late even once, they will report it as 30 days late for that month.
If you do get hit with a late payment, and it's your first time ever being late, and you were only 1 day late, try calling your credit card company. If you have a reasonable excuse for being late, and you've never shown a history of being late, you might get someone nice in customer service who will take that fee off your card.
Good Luck!! |
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homert1
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it is true that they can only report you after the bill is more thatn thirty days PAST the due date. |
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shelcom
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A CPA assistant doesn't know squat. If you're one day late...YOU'RE LATE.
However, most card issuers wait until 30 days to report...but they can report you after 1 day if they wish. |
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