@Lawlover2 wrote:
I have been doing serious rebuilding (from upper 400's to mid 600's now!). I got the 99/500 card from BOA, but I also have Cap1 (3000 CL) and Sams (600 CL). I just made a mistake in trying to keep my utilization around 9% and totally missed paying the BOA by 5 days. Will this ruin my chances of the BOA converting to unsecured at 9 months? Anyone have experience with this? I have all of the dates on my Outlook calendar, with reminders now! Darn it, I am so mad at myself!! It only had a $39 balance, and I have paid in full every time I have used it.
I remember I mailed a payment 5 years ago to Citibank less than 2 weeks before the due date, but forgot to put a stamp on it. I went on a business trip for 2 weeks and when I returned I saw the returned mail due to lack of postage. I just went online and made the payment 4 days late. It was still 6 days or so before the next statement was to cut.
I called the CSR to see if they could waive the late fee since this was the first time since 1993 that I'd been late on a payment. She said she couldn't because there was no late fee, but to call after the next statement posted and she would go ahead and waive it. I looked at my statement the first day it posted and there was no late fee.
I know for sure Citibank won't report you as late to the credit bureaus unless you're more than 30 days late & now know that for me at least, they didn't charge me a late fee since they got the payment before the next statement was due.
Did you get a late fee from BofA? If not, then I wouldn't bother with them. How many months have you had your secured card?
