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Established Member
blackdust
Posts: 63
Registered: ‎11-25-2012
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Going to be late on a CC payment

My walmart discover card payment is due sunday and I will not be able to pay on the card until monday or tuesday. Should I try to call to see if they will move my due date a couple days? How hard will my score get hit if I am a couple days late?

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Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
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Re: Going to be late on a CC payment

Late payments don't hit your credit report until 30 days past due. Your score will be fine - your wallet on the other hand...

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Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
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Re: Going to be late on a CC payment

Call them and give some reason why you will be a couple days late.  See if they will setup auto payment on Monday and waive the late fees, etc...  Also, you can try to change the due date but I'm not sure if they will push it back for the one that is currently due.  (I wouldn't get in habit of moving due date for a number of reasons, i.e.. more difficult for you to keep track of what your date is, they may see this as an attempt to circumvent paying, etc...)



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SwiftTone
Posts: 1,024
Registered: ‎02-27-2012
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Re: Going to be late on a CC payment

You could avoid late payment fee by paying minimum payment by the due date. Then pay the remainder(or as much as you want) on monday or tuesday which would be before statement cut anyways.

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john398
Posts: 3,517
Registered: ‎01-19-2009
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Re: Going to be late on a CC payment

Is there any possible way you can make the min payment online on Sunday, it wiull probably not be drasfted out of your bank tyil Monday anyway or possibly Tuesday

Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
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Re: Going to be late on a CC payment

I would pay it anyways on sunday and take a chance of it not posting or even take an OD since it wont report late it will still showed as paid late on the internal systems which could affect future CLIs 

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Valued Member
ednajen
Posts: 55
Registered: ‎12-16-2010
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Re: Going to be late on a CC payment

Yeah, I would call to see if you can work something out.  Last year when I quit working to finish school I missed the payment, a few days later they cut my credit limit down to the balanaced I owed.

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LionLaw
Posts: 258
Registered: ‎06-10-2012
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Re: Going to be late on a CC payment

If you make the payment online late on Sunday, it almost certainly won't post to your checking account until Monday, and maybe even until Tuesday. I say make the minimum payment on Sunday night, to avoid getting a late fee and an APR hike on your CC, then get cash into your account by the close of business on Monday. But keep an eye on your checking account to see when the payment posts; you don't want to have the payment declined.

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Established Contributor
adavis425
Posts: 515
Registered: ‎02-14-2012
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Re: Going to be late on a CC payment


LionLaw wrote:
If you make the payment online late on Sunday, it almost certainly won't post to your checking account until Monday, and maybe even until Tuesday. I say make the minimum payment on Sunday night, to avoid getting a late fee and an APR hike on your CC, then get cash into your account by the close of business on Monday. But keep an eye on your checking account to see when the payment posts; you don't want to have the payment declined.

+1

I would definitely pay on Sunday! Even if you pay with a check on Saturday, it won't clear or even post to your checking account before Monday. I wouldn't take the chance of AA-late fee, APR hike- even if the lateness wouldn't hit the CR. I would do whatever I could-borrow it even-to make that payment.

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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
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Re: Going to be late on a CC payment

+1000


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