Got a NY&Co card, wasn't paying attention and didnt get a statement, so just happened to look online. Due date is today! but apparently you can only make payments up until 6PM in order for them to count the same day! Of course it's now almost 11pm.. Tried to call and ask questions but the call center is closed after 9, and in order to make a payment with a rep they charge $15 anyway.... I'm sick To my stomach right now..... Will they report me as late or do they only report when it's 30 days past due?? It's Comenity Bank, if anybody has any experience with them....
chan85 wrote:Got a NY&Co card, wasn't paying attention and didnt get a statement, so just happened to look online. Due date is today! but apparently you can only make payments up until 6PM in order for them to count the same day! Of course it's now almost 11pm.. Tried to call and ask questions but the call center is closed after 9, and in order to make a payment with a rep they charge $15 anyway.... I'm sick To my stomach right now..... Will they report me as late or do they only report when it's 30 days past due?? It's Comenity Bank, if anybody has any experience with them....
I am not a 100% sure but I think all you are facing is a late fee (which you can call and see if they will refund). I doubt it will get reported as a late on your report.
Edited to say that I would still make the payment online tonight and follow-up via phone tomorrow. What else can you do?
100% Ficos: EX 751, TU 731, Walmart TU fico 740, EQ 741
Usually they only report it when it's 30 days late. My brother has paid a Cap One past the due date (mailed the check the day it was due). Not sure if they counted the postage date, usually they don't, but they didn't jack up his rate nor report him to the credit bureaus. Make the payment online ASAP, then call as soon as you can in the morning to explain your situation. Many times they'll give you the okay 
Don't worry. I missed a payment by one or two days on my Chase Amazon card a couple months ago and was freaking out.
I sent them a secure message right after I found out, and they told me that you aren't reported to credit bureaus as late unless you're 30 days late, and they even reversed my late fee!
One thing I shouldn't tell people, but if you actually look at the terminology
"30 days past the due date" is how it's defined. So if it was due on January 1st, technically should not report late until Jan30-31st. Although some creditors are known to ding your report sooner, but never heard of before 2 weeks. Of course being 1 day late usually throws you into penalty APR for indefiniately, and a late charge is usally applied. but if you mostly PIF like most good MyFico posters should 
this really matter too much.
Well hopefully the OP gets this worked out so it doesn't affect him/her. I know how scary that can be especially if you've had to work hard and building your credit.
So just to make sure this doesn't happen with me, as sometimes I am forgetful, any card that I have a balance on has a minimum payment set up on autopay from my bank account to prevent this situation. Most of the time I end up making two payments but it helps keep that pit in my stomach away 
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
