My first late payment on a Barclay credit card.

[sweetbee]

I never missed a payment with any CC company until now. I missed a payment by just a few hours on a BT that I had carried on to them and I didnt realize due dates changed! I'm on a promo APR and I am now very worried about how this will affect my credit score and report and if I will be kicked out of the promo. What does Barclay do? Do they report right away? What steps should I take? 

[Turbobuick]

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@sweetbee wrote:

I never missed a payment with any CC company until now. I missed a payment by just a few hours on a BT that I had carried on to them and I didnt realize due dates changed! I'm on a promo APR and I am now very worried about how this will affect my credit score and report and if I will be kicked out of the promo. What does Barclay do? Do they report right away? What steps should I take? 

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Call them. They should credit the late charge on the first ever ooops. No harm - no foul. You're not technically credit report late for an additional 30 days. 

[Anonymous]

Yes, I would call them.  And you're not late as far as the CRA's.  I would get onto autopay.  Even for the minimum.  It's a lifesaver if you're busy & forget.  I have all of mine set up that way just in case.   Sorry to hear.  I can imagine how frustrating it can be.  

[SecretAzure]

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@Anonymous wrote:

Yes, I would call them.  And you're not late as far as the CRA's.  I would get onto autopay.  Even for the minimum.  It's a lifesaver if you're busy & forget.  I have all of mine set up that way just in case.   Sorry to hear.  I can imagine how frustrating it can be.  

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Agreed, with how much hustle and bustle of our daily lives it's very easy to forget. I have autopay on every CC set to the minimum just in case.

[TRC_WA]

Hopefully you can call them and avoid a late fee and possible penalty APR.

[baller4life]

One word...Prism. Lifesaver!!

[itguy_65]

Call them.  Be honest.  Since you haven't been late before, they can see that.  Most creditors offer a 1-time "goodwill" adjustment.  They simply credit any late fee and it's like it never happened.

[Dw4250]

Don't worry OP. Life happens. Most CCC will give you a break on a first offense, and Barclays I have found is generally pretty friendly and will work with you.

To avoid in the future, I would either set up autopay for the minimum payment, or at least set auto reminders (most banks have a system where you can choose to receive a text or email reminder 5, 7, 10 days, etc in advance). Good luck!

[devastatah]

I went thru the same and they adjusted my account and removed the late fee. You get one pass with them. I immediately logged in and made sure the minumum was on auto pay.