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Regular Contributor
colinstu
Posts: 179
Registered: ‎06-22-2013
0

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

TU FICO 8/14 743 | EQ FICO 6/13 724 | EX FICO 8/14 739 | CS FAKO 10/14 751 | CARS (Chase) 8/14 749
Chase Freedom $4,000 | Chase Amazon Rewards $3,500 | Citi DoubleCash $3,300 | Amex BCE $3,200 | Citi Forward $2,500 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750 | Discover IT $1,300
Want: SallieMae WMC
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coldnmn
Posts: 15,818
Registered: ‎08-08-2011
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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!

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Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
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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.

Regular Contributor
colinstu
Posts: 179
Registered: ‎06-22-2013
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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? 

TU FICO 8/14 743 | EQ FICO 6/13 724 | EX FICO 8/14 739 | CS FAKO 10/14 751 | CARS (Chase) 8/14 749
Chase Freedom $4,000 | Chase Amazon Rewards $3,500 | Citi DoubleCash $3,300 | Amex BCE $3,200 | Citi Forward $2,500 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750 | Discover IT $1,300
Want: SallieMae WMC
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Mega Contributor
coldnmn
Posts: 15,818
Registered: ‎08-08-2011
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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.

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Regular Contributor
colinstu
Posts: 179
Registered: ‎06-22-2013
0

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?

TU FICO 8/14 743 | EQ FICO 6/13 724 | EX FICO 8/14 739 | CS FAKO 10/14 751 | CARS (Chase) 8/14 749
Chase Freedom $4,000 | Chase Amazon Rewards $3,500 | Citi DoubleCash $3,300 | Amex BCE $3,200 | Citi Forward $2,500 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750 | Discover IT $1,300
Want: SallieMae WMC
Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

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

[ Edited ]

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.

Valued Contributor
kevinjjc
Posts: 1,374
Registered: ‎01-14-2009
0

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.

Super Contributor
longtimelurker
Posts: 8,093
Registered: ‎04-22-2013
0

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.

Regular Contributor
colinstu
Posts: 179
Registered: ‎06-22-2013
0

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. 

TU FICO 8/14 743 | EQ FICO 6/13 724 | EX FICO 8/14 739 | CS FAKO 10/14 751 | CARS (Chase) 8/14 749
Chase Freedom $4,000 | Chase Amazon Rewards $3,500 | Citi DoubleCash $3,300 | Amex BCE $3,200 | Citi Forward $2,500 | Barclaycard Rewards $2,000 | Capital One Quicksilver $1,750 | Discover IT $1,300
Want: SallieMae WMC

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