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Well, I've made my first credit mistake in over six years. DH and I got a bunch of new cards in our latest spree, and I hadn't yet enrolled them in autopay. I just realized (today, 1/15) that his US Air card had a 1/13 due date and a $20 late fee. I just paid the balance and the fee and sent them a secure message apologizing and requesting a one-time courtesy refund of the late fee.
Are there credit consequences for a late payment of less than 30 days? Is this going to be reported to the bureaus as a late payment? And will it negatively affect DH's relationship with Barclays?
I will Not Report To the CBs, But It Probably Will Affect Auto CLI's
@greenpang wrote:Well, I've made my first credit mistake in over six years. DH and I got a bunch of new cards in our latest spree, and I hadn't yet enrolled them in autopay. I just realized (today, 1/15) that his US Air card had a 1/13 due date and a $20 late fee. I just paid the balance and the fee and sent them a secure message apologizing and requesting a one-time courtesy refund of the late fee.
Are there credit consequences for a late payment of less than 30 days? Is this going to be reported to the bureaus as a late payment? And will it negatively affect DH's relationship with Barclays?
no. it will only be reported if the account IS 30 days late and above.
regarding affect on relationship, im sure members that has had a long relationship with them will chime in.
@Anf_dude wrote:I will Not Report To the CBs, But It Probably Will Affect Auto CLI's
^^^This
30 days + late WILL report
I just read in the Barclaycard Arrival Reward Rules pamplet that you "may not earn or redeem miles" during any billing cycle you miss a payment... I wonder if they would disallow the opening bonus...
Just dont expect a auto CLI at the 6 month mark.
If this is your first payment with them, I would be very careful since you opened up a few other cards. This would be the ideal situation Barclays would close the account.
Thanks, everyone.
I haven't heard back from them via secure message, but I'm hoping nothing bad happens...
The bonus miles had already posted to DH's US Airways account because they were earned upon first purchase in the previous billing cycle; this was the second billing cycle, which was the one that required the first payment. So I don't think they can take them away now?
He also has an Arrival card with them, which has always been paid on time, so hopefully that has a positive influence on any decision here.
Ugh. I am usually so on top of these things. I feel so stupid for having forgotten to set this one up.