I've had two Citi cards for a while. Carried a big balance 8k on an 11k limit card.
I missed two payments (stupid error on my part) I added my second card to my online account, and that screwed up the spacing. When I would log in, it would say no payment due.... Once I scrolled down to the bottom of the page, I saw my other card was LATE!
They called me, and I paid all the fees and brought the account current. Few months later, when I checked my CR, no negatives were reported, still haven't been!
Bad news: they rate jacked me. Up to 29.99%. I didn't have a chance to transfer the balance until this month.
I guess in the long run, a few hundred dollars in interest is better than a mark on my credit history.
Is it common to not get reported, but jacked?