Late/returned payment question

[texasman07]

Made a mistake on my Walmart Store card payment. Entered the checking account number and inverted 2 numbers. The payment has a status of returned. I immediately made another payment. Does this hurt me on my credit report? So worried and today's my birthday

[needtodobetter]

Happy birthday!

As long as it was paid within 30 days of the due date, it will not be sent as late to the bureaus.  You will be charged a late fee, but they may be willing to remove that for you - I would call and explain what happened.

[texasman07]

Okay sounds great ! Thank you !!!!!

[Anonymous]

Yep, I did something similar once (worse.. forgot to pay $5 balance) and they hit me with a late fee but never affected my credit. If it's within 30 days you're safe. How far after the due date are you? If it's right on the line, call them and make sure they don't report to the bureau as late.

Sounds like you're just a couple of days past though, so nothing to worry about.

[texasman07]

Thank you, I'm 7 days past the payment date. I called them and they said the late fee hasn't posted. They said call tomorrow and they will remove it . So weird though she said as soon as your payments post we will update the CB. I'm lnot even near 30 days. Hoping she is just reading a script

[Anonymous]

---

@texasman07 wrote:
Made a mistake on my Walmart Store card payment. Entered the checking account number and inverted 2 numbers. The payment has a status of returned. I immediately made another payment. Does this hurt me on my credit report? So worried and today's my birthday

---

That happened to me with my first payment to Amazon. It was an early payment, thank goodness. I had reversed two numbers on my bank account. I called Synchrony and explaine what happened. She told me to correct it and put it through again and nothing would happen to my account. I was sooooo glad I called. It is best to deal with those things immediately, I believe.