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Anyone know what the grace period is or if they even have one? my payment will be 5 days late and i dont want to ding my score and report!! any help would be appreciated.
BK7 Discharge: Feb 2014 Starting Score: 579 Current FICO Score: 656
Goal Score: 660 short | 800+ long Goals Hit: 2 Active Cards: 6
Gardening Since: June 2014 Garden Goal: December 2014
Wish List: Chase Slate | Chase Disney | Discover IT | Barclays NFL Sig
five days shouldn't be in an issue. You aren't techinically late until 30 days past that date.
With that said - I'd give them a call if you're gonna know for sure it's gonna be five days late. They would appreciate it.
@0REDSOX7 wrote:five days shouldn't be in an issue. You aren't techinically late until 30 days past that date.
With that said - I'd give them a call if you're gonna know for sure it's gonna be five days late. They would appreciate it.
This is true from a credit reporting perspective, however Cap1 may still charge a late fee. You could ask them to waive.
thank you for the replies!
BK7 Discharge: Feb 2014 Starting Score: 579 Current FICO Score: 656
Goal Score: 660 short | 800+ long Goals Hit: 2 Active Cards: 6
Gardening Since: June 2014 Garden Goal: December 2014
Wish List: Chase Slate | Chase Disney | Discover IT | Barclays NFL Sig
I am assuming you use the Cap1 website. Your contract loaded in there will have what the grace period is. Cap1 standard is 10 days. It will also have the if paid after this date amount.