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Unless you are planning to app for new credit in the next few months, it is meaningless. %util has no memory in subsequent scoring. Sure, you make a hit for a month or two, but easily correctable.
As far as the payment not posting by the due date, this has no immediate impact on credit scoring, for it cannot be posted as a delinquency with the CRAs until not paid within 30 days after the statement date. The problem with not meeting the payment due date is that it subjects you to late fees, and is also a technical violation of your account terms. This may enable the cardholder to cancel existing promotional interest rates, and even jack up your regular interest rate to the default amount. That would be my concern.
I know your pain, concorduser. Fussing with those low CL HSBC cards is not worth it.
They give little in the way of increase in overall CL, and when monthly FICO scoring is done, it it based about equally on overall % UTIL, and indiv card util. It is easy for those low CL cards to present high indiv card % utils, and to also show a continued percentage of overall cards showing balances.
I ditched mine a long time ago.