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I have 2 cards with Chase, the Slate and the Freedom. My Slates due date was on July 2nd, though I used it on June 30th to add $20 to my MetroCard.
I went on Chases site today to payoff the Slate and it said that I have a balance of $20, my payment due date was July 2nd, and the minimum payment due was $0. Okay, cool. The only thing is, when I went to payoff that $20 just now (I only like to have one of my cards report a balance), it said that I was paying the $20 on July 5th, but for the July 2nd payment. So does this mean its a late payment or what?
To be honest, I didn't check, but I don't even think that $20 would have shown up on or before the 2nd considering I used it on June 30th.
No, you haven't missed a payment as the due date was not a business day. But for peace of mind, call them just to confirm.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
I think what's happening is that since your payment is due the 2nd, your statement likely cuts around the 5th/6th. I'm guessing you made that $20 payment before the statement cut so it's applying it to the account before the statement is generated and so before you have a new, min due 8/2. I think you accomplished just what you wanted, paying the balance so it'll report zero.
ETA: I SWEAR I didn't see the other responses when I posted. Need. More. Coffee. I guess I forgot to scroll.
Well for reporting purposes it's Chase so it doesn't matter anyway: it'd re-report zero as soon as it lands.
At absolute worst case we're talking a late fee that you can probably get yourself out of but I'm guessing this is a no harm no foul situation. There won't be any notation of a late on your report, you'd have to miss the next payment date too for that to happen (30+ days late).