Credit One

[haleyjen]

Do they have a grace period?  My due date is 9/9 and I am flat broke until 9/15.  Will they report me if I don't pay till the 15th?

[Anonymous]

In my experience, no! They report ASAP

I made an express payment the day after my due date, and they still hit me with a 30day

[rmduhon]

They can charge a late fee, but can't report you as late until you are 30 days late past the due date, in your case on October 9th.

[haleyjen]

I'm willing to eat the late fee, I just can't afford a 30 day.

[Anonymous]

They are not supposed to report until 30 days late. If so you can dispute it.

[Anonymous]

Past experience speaking from me, I once had a credit one card an I was about a week late and they did not report 30 late. Also I asked them to do a late fee reversal and they did without a problem. The only thing was I had to speak to someone overseas that barely spoke english (I so hate this, and this is a reason why I am trying now to do business with CU's). But long story short I made an explaination and the CSR reversed the late fee. Also I had the card for almost a year. PS NEVER USE THE EXPRESS PAYMENT OPTION. It is a total rip off, and it will just shaft you every time you use it (the fee is charged to the card, not deducted from your payment)

[RobertEG]

The common CRA reporting manual clearly states that a late does not become reportable until it reaches thirty days past the billing due date.

It is a CRA policy, not an FCRA definition.

If they do report as a 30 day late and you have paid prior to expiration of 30 days from the billing due date. then you can dispute, citing the CRA reporting manual as basis for the inaccurate reporting.

[Anonymous]

I know it sucks but can you borrow the minimum payment. I'm assuming it can't be that much since credit one for the most part is always a low limit. Or maybe even call them and tell them your situation

[Anonymous]

Can you borrow? I'm not making light of the payment (I KNOW what's it's like to be broke). But I would seriously try to borrow and get that payment made on time. 

[haleyjen]

I can try, but just wanted to know in case I can't.