topic Re: Will it be considered late? in Credit Cards

Will it be considered late?

dkajs — Fri, 14 Dec 2012 09:04:43 GMT

So I signed into my Express account today to pay my bill and on the account summary page it said "minimum amount due: $0" "current balance: $81.34". I clicked on the tab to pay the amount due and it said "payment due date: 12/11/12. I never recieved a bill in the mail or an email from them saying my bill was due. I never signed up for paperless statements also. Will it be considered late being that its only 3 days? Also would it help to call them tomarro morning and haggle with them over it?

Re: Will it be considered late?

OhioCPA — Fri, 14 Dec 2012 12:14:20 GMT

From what you wrote, you didn't have a payment due on 12/11. Apparently, your current balance was charged after the last statement cut off and won't be due until approximately 1/11/13.

Re: Will it be considered late?

Repo-ed — Fri, 14 Dec 2012 13:25:01 GMT

OhioCPA wrote:
From what you wrote, you didn't have a payment due on 12/11. Apparently, your current balance was charged after the last statement cut off and won't be due until approximately 1/11/13.

^^^^This

Re: Will it be considered late?

Jutz — Fri, 14 Dec 2012 13:39:34 GMT

OhioCPA wrote:
From what you wrote, you didn't have a payment due on 12/11. Apparently, your current balance was charged after the last statement cut off and won't be due until approximately 1/11/13.

But now that that's settled, stay awhile! We have fun here, welcome to the forums.

Re: Will it be considered late?

paparoach429 — Fri, 14 Dec 2012 21:27:10 GMT

Wheeeew! I just wanted to make sure. Thanks guys. Im a member of another credit card forum but its alot smaller. (Ive read just about every thread they have). lol I came across this one and loved the amount of threads to keep me busy. Ive posted another thread so far. Hopefully you guys can help me out with that one, its titles "What to do next"? Take care fellas!

Re: Will it be considered late?

djrez4 — Fri, 14 Dec 2012 22:20:51 GMT

We're not good enough for you over there? :smileytongue:

Re: Will it be considered late?

distantarray — Fri, 14 Dec 2012 23:22:11 GMT

even if you were legitimately late Amex has a grace period before it gets reported late, remember late payments are defined as 30 days past the due date. so if it was due on the 11th it wouldn't be considered 30 days late til next month 10-11th depending if the month had 31 days or not etc. but they can charge you a late fee + penalty apr indefinately, but you should be paying off your balances in full so doesn't really matter. I would just send extra $20-25 payment as soon as possible just to make sure. some cards say $0 minimum payments due because it's in a 0% intro for purchases, but I rather be safe than sorry. The credit industry is rarely forgiving if you make a mistake.

Re: Will it be considered late?

paparoach429 — Sat, 15 Dec 2012 06:53:38 GMT

Ofcoure you guys are. Ive learned ALOT from that forum but I cant keep reading the same threads everyday! lol

Re: Will it be considered late?

paparoach429 — Sat, 15 Dec 2012 06:56:17 GMT

I did pay it in full and I had been checking every single day on their website to see when my payment was due and it had never popped up until I actually hit the tab to pay it. then it just said "payment due date: 12/11/12 Payment Due $0" I had just never seen that before so I wasnt sure.

Re: Will it be considered late?

kevinjjc — Sun, 16 Dec 2012 00:17:29 GMT

paparoach429 wrote:
I did pay it in full and I had been checking every single day on their website to see when my payment was due and it had never popped up until I actually hit the tab to pay it. then it just said "payment due date: 12/11/12 Payment Due $0" I had just never seen that before so I wasnt sure.

So you are also dkajs, the OP? :smileyindifferent:

Re: Will it be considered late?

paparoach429 — Mon, 17 Dec 2012 06:35:57 GMT

Yes I "somehow" made two profiles?... The day I signed up for this forum I was asked to make a "handle" in addition to my regular screen name. I thought that was wierd but i went ahead and just hit a bunch of letters on the keyboard. (thinking I could change it every time i sign back in). Whenever I sign in, I sign in under my normal screen name for other things (paparoach429). Moderators feel free to delete "dkajs".