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2 days late on Capital one Credit card

New Contributor

2 days late on Capital one Credit card

2 days late, just paid it in full, will this hit my credit score?
3 REPLIES
Regular Contributor

Re: 2 days late on Capital one Credit card

No. But they will probably charge you a late fee.
Moderator Emeritus

Re: 2 days late on Capital one Credit card


blooro wrote:
2 days late, just paid it in full, will this hit my credit score?

Shouldn't affect your credit score, since it's less than 30 days.  If you have a good history of on-time payments, maybe you could call Cap One and ask if they would waive any late fees and finance charges.  I've done this successfully a couple times over the past several years.

Senior Contributor

Re: 2 days late on Capital one Credit card


blooro wrote:
2 days late, just paid it in full, will this hit my credit score?

 

1.  No, this will not be reported as late on your CR.

 

2.  You probably will have to pay a late fee.

 

3.  This will be recorded "internally" against your CapOne account and may be a cited reason for CLI denial in the future.  This happened to me when I had a bank billpay credit to CapOne 1 day late. 6 months later when I had asked for a CLI, they declined and cited that I had a late pay, which ended up being the Nov 08 payment which posted 1 day late.  I immediately enrolled in the CapOne autodraft for minimum payment just in case there was ever such a case in the future that a payment failed to get to them or post on time, that CapOne would initiate at least the minumum payment so I had no internal record lates nor reported lates.

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549