Credit Card Center Advertiser Disclosure†
02-05-2013 07:22 AM
You guys, I'm worried.
Yesterday my payment was due on Capone secured but i totally missed it since i rely on email notifications letting me know if i had a balance.
I paid of the card on January so i wasn't to worry and thought it would report a 0 balance plus its SD. However i totally forgot i had a recurring fee for Netflix on it and it was only $7.99 i owed.
I made the payment today but i'm worried Capone might do something for my late payment.
I never had a late payment so i'm a little embarrased.
Will this affect my score? Thanks.
02-05-2013 07:25 AM
Most likely they won't even report the late payment to the bureaus, you weren't more than 30 days late. i was late a few times on my account and it never showed on my credit report.
however they may jack up your interest rate. can't remember if that changed with the new credit card laws.
02-05-2013 07:50 AM
02-05-2013 08:21 AM
Thanks everyone. I will call them later on today to see if any changes to my account happen. I never use the card just that recurring fee.
I don't know what happened, i'm always on top of payment dates. Must of slipped. Lol.
02-05-2013 08:26 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.