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Regular Contributor
Posts: 119
Registered: ‎11-10-2013
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Late with Chase

I have the regular Chase Sapphire and my due date was yesterday but I completely forgot to pay (I don't normally let a balance report, but $41 posted on my account and the statement was already generated). They charged me a $25 Late fee but I paid my account in full today.

 

Aside from the fee, how else can being 1 day late affect me?

 

This is my 5th statement so I was hoping for a CLI next month on the 6th statement, do you think it could still happen?

 

Do this affect my credit in any way?

 

All advise is appreciated, thanks!


Capital One Quicksilver | Chase Freedom | Chase Sapphire | AMEX Blue Cash Everyday
Scores: EX: 725 | TU:742
Valued Contributor
Posts: 1,246
Registered: ‎10-21-2013
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Re: Late with Chase


Apinzon2374 wrote:

I have the regular Chase Sapphire and my due date was yesterday but I completely forgot to pay (I don't normally let a balance report, but $41 posted on my account and the statement was already generated). They charged me a $25 Late fee but I paid my account in full today.

 

Aside from the fee, how else can being 1 day late affect me?

 

This is my 5th statement so I was hoping for a CLI next month on the 6th statement, do you think it could still happen?

 

Do this affect my credit in any way?

 

All advise is appreciated, thanks!


You weren't 30 days late, so nothing in terms of payment history. I'm sure that your internal score dropped with Chase a bit.

 

Curious, did you try calling a CSR and trying to negiotiate a waiver of the fee? How long has this account been open?

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Established Contributor
Posts: 747
Registered: ‎08-13-2011
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Re: Late with Chase

Hi

 

I was one day late, I called and they waived fee.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


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Posts: 292
Registered: ‎01-17-2009
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Re: Late with Chase


Apinzon2374 wrote:

I have the regular Chase Sapphire and my due date was yesterday but I completely forgot to pay (I don't normally let a balance report, but $41 posted on my account and the statement was already generated). They charged me a $25 Late fee but I paid my account in full today.

 

Aside from the fee, how else can being 1 day late affect me?

 

This is my 5th statement so I was hoping for a CLI next month on the 6th statement, do you think it could still happen?

 

Do this affect my credit in any way?

 

All advise is appreciated, thanks!


i was one day late with a chase payment once

i called right away and they waived the late charge and they didn't raise my APR  (9.74%)

 

that spurred me to set up auto-pay for the minimum amt due (on all my accts!)


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Contributor
Posts: 81
Registered: ‎03-19-2014
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Re: Late with Chase

To prevent this from happening again have all your payments due dates sync to the same day. For insistence all 13 of my accounts are due either on the 5, 6 or 7 of each month. But I know to make the payments to all of them on the 3rd of each month. I find it very easy to go down the list and hit pay current balance.

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