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I have been sick in the hospital and just logged in to pay my sams club and it is a day late, will this cause havoc on my credit?
@2FixMyCredit wrote:I have been sick in the hospital and just logged in to pay my sams club and it is a day late, will this cause havoc on my credit?
I believe, they only report to CAs if you were 30 days late.
They will still charge the late fee
@2FixMyCredit wrote:I have been sick in the hospital and just logged in to pay my sams club and it is a day late, will this cause havoc on my credit?
It's not a 30-day late, so no. Your creditor may charge a late fee or initiate an APR hike, but nothing will be reported to the bureaus until it's thirty days past due. If you are hit with any fees or AA, I'd encourage you to contact your creditor and ask them for a courtesy waiver as it is your first infraction.
OK, they already hit me with a late fee, I will contact them tomorrow about getting it waived and make sure not interest hike. Thank you both!
Hope you're feeling better! In the future, it maybe good to set your accounts to autopay-minimum balance.
I've had a couple of 7am-the-following-morning payments. Nothing showed up on my credit report, as others have also noted, but you'll get a late fee.
Even though most major banks don't advertise this feature, many will consider a one-time courtesy waiver of the late fee. But as also noted, it's safest if you don't wait till the due date. I've found that paying a portion every payday makes it go down smoother, and I actually pay a wee bit less interest. (i.e. $10/wk instead of $40/mo means you're paying $520/yr instead of $480/yr).
(As an aside, I had one case where I paid half of the minimum payment and forgot to the pay the rest, the late fee was equal to the difference.)
Once on my Citi card I was 1-3 days late (just totally forgot). Never got charged a late fee, credit scores never dropped (haven't pulled my CR to see) no AA at all thankfully. Never going to let it happen again though!