Re: MLK Day Blues
01-22-2013 12:03 PM
Usually banks and CUs will credit your payment on the day they receive it, so I'm guessing they'll credit you as paying on Jan 22.
As far as whether they include holidays in the total day count from month to month, I believe that they are counted. Usually 30 days late means 30 calendar days, not 30 business days. But I'd go ahead and call in as suggested to plead your case for them not reporting your late and not charging late fees.
+1 30 days is 30 days when it comes to credit reporting