08-17-2010 06:26 PM
Hello... my credit card is due today so I made a payment today. I did it at 3pm. After I made the payment I realized it said I made the payment at 6pm not 3pm. They posted it eastern time so now the payment won't post until tomorrow. I know I should have paid it earlier but wasn't able to until today.
Am I late ???
08-17-2010 06:42 PM
depends on the bank. some count payments all the way up to 11:59PM of the day it's due, some banks cut it off at 5 or 6, I would call your bank and check with them. what bank?
08-17-2010 06:44 PM
Depending on your bank's rules, you may or may not be late. The worst thing that can happen is they assess a late payment fee, which they may be willing to waive if you call them after you become aware of it. From a credit reporting standpoint, you are fine. Not late until 30 days.
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