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First late payment (2 days late, with Citi)...

Regular Contributor

First late payment (2 days late, with Citi)...

For some reason I thought I'd forget all about paying this card. Payment was due on the 2nd, but didn't notice until the 4th and paid it then. I tried changing the due date but the website breaks when I try doing that. What should I / can I do? Will there not be any repercussions if it's only 2 days late? Was a ~$120 balance, don't want to be charged a late fee and ESPECIALLY don't want my credit report/score affected. 

 

Thanks

FICOs: TU 775 | EQ 784 | EX 762
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 1 of 16
15 REPLIES
Mega Contributor

Re: First late payment (2 days late, with Citi)...

To report to credit agency it has to be 30 days late. You could try calling and explaining the situation they may waive the fee. Good Luck!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 16
Valued Contributor

Re: First late payment (2 days late, with Citi)...

It won't affect your credit reports or scores since it's not more than 30 days late, but Citi will charge a late fee. Just give them a call and they will most likely reverse the late fee since it's your first late payment.

Message 3 of 16
Regular Contributor

Re: First late payment (2 days late, with Citi)...

Thanks for replying back guys.

 

I sent them a secure message a little bit ago and they replied saying that my due date was successfully changed and if I was charged a late payment, it would be on my next statement. 

 

Should I call them before or after this late fee shows up? Will the penalty APR be reported and hurt my credit score either? 

FICOs: TU 775 | EQ 784 | EX 762
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 4 of 16
Mega Contributor

Re: First late payment (2 days late, with Citi)...

It shouldn't affect your credit score. It's to bad you didn't call to start with and explain the situation. They would have been more likely to reverse the late. I would call them now and explain it was your first late and what happened and ask them if they could reverse the late charge.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 16
Regular Contributor

Re: First late payment (2 days late, with Citi)...

Should I use the number on the back of my card or is there a better one?

FICOs: TU 775 | EQ 784 | EX 762
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 6 of 16
Valued Contributor

Re: First late payment (2 days late, with Citi)...

Call them once the late fee appears online. You don't need to wait until you see the late fee on your next statement. If you have it taken care of before your next statement generates, you will see both, the late fee and reversal.

Message 7 of 16
Highlighted
Valued Contributor

Re: First late payment (2 days late, with Citi)...


colinstu wrote:

Should I use the number on the back of my card or is there a better one?


Regular customer service should be able to help you with this situation.

Message 8 of 16
Super Contributor

Re: First late payment (2 days late, with Citi)...

And set up autopay!  While they probably will waive a late fee the first time if you have a history of on-time payment, the second time they may be less forgiving.  Auto-pay prevents these problems, and doesn't stop you also paying before statement cuts if you wish.

Message 9 of 16
Regular Contributor

Re: First late payment (2 days late, with Citi)...

I would set that up but last I checked you could only set it to pay the minimum or a fixed amount... never the full balance (whatever that might be). I don't want to carry a balance nor have a negative balance. 

FICOs: TU 775 | EQ 784 | EX 762
Amex BCE $15,000 | Discover IT $11,600 | Chase Freedom $7,000 (Visa Sig) | Citi DoubleCash $6,000 (WEMC) | Chase AARP $6,000 | Barclaycard CashForward $4,000 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750
Message 10 of 16