USAA/JCPenny

[MrChairman]

Hey all,

I just paid my USAA CC and JCP CC 1 and 2 days late respecitvely. Will this report as a 30 day late on my CR's? I assume you have to be AT LEAST 30 days late to report as a 30 day late?

[pmbrian]

No you will have a late fee but you are not 30 days late and it will not be on your CR, was it an honest mistake? If so call them and they may wave the late fee, and you don't want to get on their bad side or you will not be eligible for CLI in the future.

[MrChairman]

It was an honest mistake. I just simply forgot. I am military and been PCSing all month. So yea, they slipped my mind.

[Peach8321]

USAA should be ok - I messed up like that twice with DH's card (he won't pay it himself, grr) and there was no issue whatsoever, no late fee, no ding, nothing.  Store card probably will assess a fee, but call and talk to them, they might waive it.

[Booner72]

Hi - you should set up auto-bill pay so this doesn't happen again- It would seriously suck to be working hard to rebuild and then let a 30 day late show up and ruin everything.  Just take this as a little lesson.  Good Luck!!!