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Established Contributor
Posts: 739
Registered: ‎06-30-2007
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has no late pay late payment for due dates when the bank closed is effect yet?

[ Edited ]
my cap due dat this is my statement is the second , Which I setup a payment the statement balance on the due date, I have had a late fee posted yet
Message Edited by rbbyrbsn on 11-26-2009 05:21 PM
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
Established Contributor
Posts: 739
Registered: ‎06-30-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

I just call cap1 and they said my due date is 28th so my payment set on the 27th is ok I think the program that spits out statements just adds 25 days from the statement date

People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

Not sure what you're saying. Do you mean that when the statement posted/ was printed, they didn't have a due date? Weirder and weirder...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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ObsessedwithmyFico
Posts: 513
Registered: ‎05-31-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

I think she is saying the bill was due on the 2nd..she (maybe he) paid in on the 2nd and was charged a late fee.  Probably didn't post until the 3rd.  I actually had this happen to me in the past. Lesson learned.
Established Contributor
Posts: 739
Registered: ‎06-30-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

my statement was nov was the 2nd and the due was the 27th , on the 3rd I setup a to pay the balance on the 27th

 

 

and I loged on today find my payment NOT being proceesed I could edit /cancel

 

yikes I called and to find the real due date is the 28th as it should be, online even showed the 27th

People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

That's pretty spooky.

It's for reasons like this that I would set an auto-pay at least 5 days before the due date. I have a hard enough time growing out my fingernails without having to chew them off, waiting for a payment to process.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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marty56
Posts: 5,696
Registered: ‎10-06-2007
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Re: has no late pay late payment for due dates when the bank closed is effect yet?

Slightly OT but I had a $31 Chevron balance post to my CR because I set the payment date to the 26th and the Statement drop date was the 27th which they acknowledged on the statement but reported the balance anyway.  They stated the the payment takes 48 hours to post on the account.  I always try to pat the balance when its posts but this time I used it too close to the statement date.

 

I also agree to the 5 day payment before due date even on line payments. 

11/28/2014 FICO: EQ: 796 EX:788 TU:803

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