Wow. I can't believe how rude the guy was. That was totally unnecessary.
Starting Score: 639 (Walmart TU)
@navigatethis12 wrote:Late is late, whether it is one day or thirty days. Maybe the person on the telephone was rude but it still does not change the fact that the payment was not made by the time it was due. They may not report to the bureaus but it will be on file with them. I would say you should be lucky they did not close the card or decrease the limit. Having two bankruptcies could also be a reason for them being nervous about a missed payment. I have never been late, but if I was I would just pay right over the telephone. The sooner the better.
I hope this does not come off as rude or anything. I just really think that you are overreacting. When someone loans money, they expect it back by the agreed upon date. If it was me I would be ringing the next day as well.
Late is late and I never said that I was disagreeing, it's just the first time I have EVER had a bank call me next day! USBank is 5 days past payment, they were my previous shortest time period I knew of.
Bankruptcy and worried:
1. My BK 7 is gone from my reports BUT, maybe the 4 cards part was missed...
2. My Card I got first month of being 18 is open and has $300 CL, Fast forward to 2007 and I file Ch. 13, Target was sent letter but also in the letter it said they were not included (they did not close my card) Now in 2008, applied and approved for $200, which is the card that is late today ($1500 Limit) I got the increase in 2009 I think it was to $1000 and then it went to $1500 in 2010ish Ithink. My 2 other cards are $200 and one was opened in beginning of 2009 and the 4th late 2009 - they have never been increased at all.
I would really love to see their computer system because reps to not seem to be able to see all accounts together unless I give them the last 4 digits from the cards or do some different social security search....
And one more point... These Customer Service/Collections was not seeing any part of my credit report so I doubt he would even know anything about BK's.
OVER REACT.. ME??? PLEASE! LOL 
But who hung up on ho (first call!)
You know in the end I "Usually" do not give out checking over phone for stuff like late pays or fixing the couple of collections I did last year... but what I WILL almost always do is if you start to give me wrong info, start to talk "stupid" is what I call it when someone at a company does talk to me like that. I may not know all wording and what page or what not they or i can look at such rule or what not but I know what comes really close to line or crosses it and I will argue or explain wrong stuff (I sometimes get it back, it's okay) it's all in how they are talking to me... He started to be rude in like 10 seconds, so I decided long before we got to 15 seconds that 1. I was not going to pay, and 2. that I would most likely sit on the phone as long as he wanted! I mean I did spend 96 Minutes with an overseas ebay Rep before about a feedback tht was wrong... she just kept repeating without answering and I kept asking the same thing.... then she would put mute on and I would do the same and after 5-10 minutes (Yes really!) she would say sir, sir are you there? Id be like yes, how can I help you?! she would repeat that this is what can or can't be done and is anything else. and I would respond back you have not answered me yet, so yes there is more... and she would say oh, okay and what is that?! I mean 96 minutes!! I just couldn't imagine the flags that I would HOPE that call time would throw in the system!! but like I said unlike today for the most part I am very well spoken, I don't swear (that was super hard for me to stop!) but I try to get as much info and facts, and right and wrong things to write a letter to corporate... Almost ALL of my corporate letters ended in VERY super nice, long, calls... GE was the exception!
Hope some of that makes sense, back to baking my cookies, I went a little long! LOL