10-16-2008 03:47 PM
I have a cc that is due around the 5th of the month. I always pay it a week early.
So, Aug. 28th I paid my cc that was due on Sept. 5......On Sept 9th I got a bill that said it was due Oct. 4th......Well, I guess it was lost in the mail, because today I got a bill that said the acct. was past due, I called to make a pymt. and I was told that it was over 30 days late and reported to the cb!!!!! What??? It was DUE on Oct. 4th!!! They said that it is a cycle that is factored to determine delinquency....my acct. cycles from the 9th to the 9th of every month.....no payment was received during this 30 days, so it is LATE!!!! WHAT???? All these years....no problems, then this!!!!! Please help!!!
10-16-2008 05:26 PM - edited 10-16-2008 05:27 PM
10-16-2008 07:05 PM
10-16-2008 07:13 PM
10-16-2008 08:10 PM
I mailed it.....it usually takes 4 or 5 days before it is credited to my acct. I mailed it Aug. 28.
10-16-2008 08:16 PM
Well, sorry that has happened to you. HTSU is right, there should be record of them presenting the check to your bank. Did you have sufficient funds?
Is there any reason why you do not pay your bill online?
10-17-2008 02:38 AM - edited 10-17-2008 06:34 AM
10-17-2008 06:22 AM
If you paid/sent a check on August 28th for a payment due date of 09/05/08 and they never received the payment, you are definitely over 30 days late. They sent you a new bill saying your next due date was 10/04/08 and you made a payment, however they never received your payment that was due in September. If you made your October payment in late September you wouldn't be 30 days late....but if you paid it close to the 4th (on the 4th or a day or two prior or later), their calculations most likely would place you over 30 days late.
If I'm missing something, sorry.
Via regular mail, you really do need to check with the cc company or your back in a timely manner to ensure they received and credited your payment. It's brutal, but you have to be vigilent if you're not using electronic methods (and even then you need to check)...
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.