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Posts: 636
Registered: ‎05-29-2011
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GE Amazon - I screwed up

I logged into my Amazon store account today and completely forgot to make my Dec payment, it was due on 12/15.  I made a payment immediately - are they going to report this as a late on my CR ? CLD? 

 

Balance is $240 with a CL of $2500

About $215,000 total credit among 11 cards
Established Contributor
Posts: 510
Registered: ‎04-16-2011
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Re: GE Amazon - I screwed up

No, it'll only report to ur cr if its 30+ days late... A cld is upto amazon, best to ask them but i doubt it...

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Frequent Contributor
Posts: 270
Registered: ‎03-10-2009
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Re: GE Amazon - I screwed up

they shouldnt.....when its 30 days past due then they report to credit bureaus.  some companies may penalize you internally with them but not all.  i would just check with the company and ensure they dont do anything within the company.  But the norm is 30 days past due....

 

might want to put it on bill pay were it pays autommatically...Smiley Wink

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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: GE Amazon - I screwed up


n777ua wrote:

I logged into my Amazon store account today and completely forgot to make my Dec payment, it was due on 12/15.  I made a payment immediately - are they going to report this as a late on my CR ? CLD? 

 

Balance is $240 with a CL of $2500


Did you talk to a CSR?? How long have you had the acct?? Any prior lates?? I don't think they'll hit you with a 30 on the reports but they may try to get you with penalty APR.




EQ FICO 548 3/3/16
Epic Contributor
Posts: 28,518
Registered: ‎10-23-2007
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Re: GE Amazon - I screwed up

They can't penalty APR until you have missed payment 2 or over CL 2.

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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: GE Amazon - I screwed up


Creditaddict wrote:

They can't penalty APR until you have missed payment 2 or over CL 2.


I thought I seen something close to missing pymt on one of my T&C's they can hit you with Penalty APR? I may be wrong..




EQ FICO 548 3/3/16
Moderator
Posts: 17,409
Registered: ‎07-14-2009
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Re: GE Amazon - I screwed up


LS2982 wrote:

Creditaddict wrote:

They can't penalty APR until you have missed payment 2 or over CL 2.


I thought I seen something close to missing pymt on one of my T&C's they can hit you with Penalty APR? I may be wrong..


The Guide to 2010 credit card reform says this:

 

Restoring good payment history will lower a raised APR. If you are reported as delinquent on your credit card payments for 60 days your APR can be increased, but it must return to the old rate if you make 6 consecutive payments thereafter.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
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Re: GE Amazon - I screwed up


MarineVietVet wrote:

LS2982 wrote:

Creditaddict wrote:

They can't penalty APR until you have missed payment 2 or over CL 2.


I thought I seen something close to missing pymt on one of my T&C's they can hit you with Penalty APR? I may be wrong..


The Guide to 2010 credit card reform says this:

 

Restoring good payment history will lower a raised APR. If you are reported as delinquent on your credit card payments for 60 days your APR can be increased, but it must return to the old rate if you make 6 consecutive payments thereafter.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


stand corrected




EQ FICO 548 3/3/16
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New Visitor
Posts: 636
Registered: ‎05-29-2011
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Re: GE Amazon - I screwed up

Didn't call a CSR; just made the payment online.  Account is 6mo old, no lates since a 8/04 7BK.

About $215,000 total credit among 11 cards

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