Call at work 4 days after Macy's credit card due?

[marty56]

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@Lel wrote:

 But the point I'm trying to make is that the call might have helped you avoid a more serious delinquency.

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Oh how I wish BofA would have done that for me so I didn't wind up with a 120 day late on my CR.  If you sign up for online statements, they send you an email that they payment is due.

LOL I would not mind one bit if they sent one 2 days before saying pay or die.

You can also set for autopay on the minimum due so you are covered in case you forget.

[Anonymous]

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@Lel wrote:

Problem with Macy's is that they don't have an automatic payment option on their website, at least none that I've ever seen.

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This may help.

[RobertEG]

Am I missing something?

If your billing statement due date was March 1st, and you were a few days late, then they can charge you late fees and hold you in violation of your CC agreement. But no 30-day late can be reported to the CRAs until April 1st. 

Being over 30-days late on payment from the billing date (i.e., aftter the billing due date) is NOT the same as being 30-days late for CRA reporting.

One is based on 30-days from billing date, the other on 30-days expiration from billing DUE date.

[Anonymous]

1. You can write to Macy's at their address on your bill for "inquiries."

2. You can use mycheckfree.com to pay a Macy's bill.

3. You can use your own banking bill pay to pay the bill.

Very simple solutions.

[Kiwill]

I forgot for the 1st time to make my march payment which was due on the 21st and I got a call last weekend.  I was soo happy that they did call just a few days later because I really did think I made that payment.  They lowered my CL to the current balance, increased my payment amount and charged a fee.  I made the payment right then and there on the phone and post dated a payment of $150 that I already  had scheduled with my bank and she reversed the late fee but when I called yesterday to restore my CL, they declined and said I will have to wait 6-9 months!  I was so upset because I have never missed a payment or been late before.  I've always been really satisfied with Macy's but this just really bugged me.  I will never close them though because I love Macy's and they are generous with CLI's

[RobertEG]

They cannot report a 30-day late to any CRA until 30-days has expired from the billing due date.

If a payment was due March 1st, and not timely made by that date, then, of course they can hit you for late fees, etc.

But reporting of a 30-day late to a CRA could only be made if payment was not received by April 1st.

The only statute I am aware of with regard to creditors communicating with you is FDCPA 805(b) and (c), and only applies to debt colletors (usually a third party CA).

I know of no statutory restriction that prohibits an original creditor from calling you.

[marty56]

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@Kiwill wrote:

I forgot for the 1st time to make my march payment which was due on the 21st and I got a call last weekend.  I was soo happy that they did call just a few days later because I really did think I made that payment. 

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+1