You missed your payment (okay) second statement arrives with recent minimum payment and lasts statement payment. (makes sense) if you dont pay this statement its going to be considered a 30 day late payment which will affect your credit big time. Okay well lets say that this bill is due on the 18th of july if you pay it the 19th its already 30 days late but it you pay it on the 18th the due date will it report as a 30 day late?? In other words is that risky?? Hope it makes sense.
Any missed payment or oversight needs to be rectified right away. Why would anyone risk "coasting" until the very last minute just to test the system - let's say something happens that prevents from bringing the account current on that date. With the first occurrence, you already incur a late penalty charge and probably adverse action from the lender (such as a % rate hike). The sedond occurrence will not only result in more fees, etc., but will definitely report a negative mark to the CRAs. Since it's not the lenders fault, why risk those chances?
Right with you on that, last month (June) lots of unexpected events came up that envolved traveling which didnt allow us to even make the minimum payment on a card. Its getting close to due date which is the 30 day mark. Planning to pay it by the 16th which is the closest date it can be made.
set up auto payment for all your CC
But still yes automatic payments is one of the best routes to go if you have difficulty remembering about the due dates.
Not quite sure I'm understanding the original post, but it definitely has to be 30 days late for it be marked 30 days late. I.e., due date is July 19th and you don't pay. If still no payment 30 days later by Aug 19/20 whatever it is, THEN you get the derogatory mark.
ETA: Nevermind. I reread and now I see that there's two payments together.
Was the first payment due June 19th? If she's pays the min due of that RIGHT NOW, she might avoid a 30 day late.
And then pay the rest that is due by July 19th (don't want to start falling behind).