Late Payment

[dyanisme]

I am SO angry with myself; I mised a credit card payment.   It was due the 10th, today is the 16th and ............ well, I just blew it.    What's worse is that I simply wrote the wrong due date on my budget.  That's what makes me so mad at myself; this was nothing more than a stupid mistake.    Can anyone give me some guidence on how badly this is going to hurt me?

Several years ago, I had gotten into some serious financial issues.   But I have worked VERY hard to turn things around, which is why I could literally cry over the fact that I missed my payment date on a credit card.    My utilization is higher than I'd like, but I'm paying that down.   And I understand that's hurting my score.  But more importantly (to me), since 2004 I had not had a single late payment and never went over credit limits.   I was being SO careful!    The only thing that I had left from the bad-credit days was an old tax lien from 2000 that is paid off, but I still have to wait for it to drop off.

Part of me thinks that I'm being silly -- this is one payment on one credit card.    I have four or five others, and they are all in good shape.  In fact, the one that I was late on is paid now.   But the fact is that it was still late.

[chasmith]

If you missed a due date it shouldn't report as 30 days delinquent sice you're already made made the payment.  You may get hit with a late payment fee but should have no derogatory hit your CR or score.

[MarineVietVet]

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@dyanisme wrote:

I am SO angry with myself; I mised a credit card payment.   It was due the 10th, today is the 16th and ............ well, I just blew it.    What's worse is that I simply wrote the wrong due date on my budget.  That's what makes me so mad at myself; this was nothing more than a stupid mistake.    Can anyone give me some guidence on how badly this is going to hurt me?

Several years ago, I had gotten into some serious financial issues.   But I have worked VERY hard to turn things around, which is why I could literally cry over the fact that I missed my payment date on a credit card.    My utilization is higher than I'd like, but I'm paying that down.   And I understand that's hurting my score.  But more importantly (to me), since 2004 I had not had a single late payment and never went over credit limits.   I was being SO careful!    The only thing that I had left from the bad-credit days was an old tax lien from 2000 that is paid off, but I still have to wait for it to drop off.

Part of me thinks that I'm being silly -- this is one payment on one credit card.    I have four or five others, and they are all in good shape.  In fact, the one that I was late on is paid now.   But the fact is that it was still late.

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The good news is that this will not show on your reports as long as it's not 31 days late after the due date. I'm sure there will be a late fee charged by the CCC but this will not hurt your score.

You might call the company and ask nicely if they could waive that late fee. It's worth a try.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[guiness56]

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@dyanisme wrote:

I am SO angry with myself; I mised a credit card payment.   It was due the 10th, today is the 16th and ............ well, I just blew it.    What's worse is that I simply wrote the wrong due date on my budget.  That's what makes me so mad at myself; this was nothing more than a stupid mistake.    Can anyone give me some guidence on how badly this is going to hurt me?

Several years ago, I had gotten into some serious financial issues.   But I have worked VERY hard to turn things around, which is why I could literally cry over the fact that I missed my payment date on a credit card.    My utilization is higher than I'd like, but I'm paying that down.   And I understand that's hurting my score.  But more importantly (to me), since 2004 I had not had a single late payment and never went over credit limits.   I was being SO careful!    The only thing that I had left from the bad-credit days was an old tax lien from 2000 that is paid off, but I still have to wait for it to drop off.

Part of me thinks that I'm being silly -- this is one payment on one credit card.    I have four or five others, and they are all in good shape.  In fact, the one that I was late on is paid now.   But the fact is that it was still late.

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When did you pay it?

[jayjay21us]

I missed a due date with HSBC by 2 days and they charged me a late fee.  I used their website and sent a message, basically stating that I missed the due date it was my fault and that this was the first late payment with them and could they reverse the late payment fee...They sent back a nice message a day later that they would reverse the late fee.. also my APR didn't change...it was great because with them one late payment and they raise your APR...

I say give it a try.. all they can tell you is no...