Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
Re: Oh no! Paid BOA 99/500 card late!

NinComPoop wrote:

Not sure how it will play out with the secured card but they don't consider you late until you're 30 days late (meaning missing 2 consecutive payments.) or at least not when I worked there they didn't. Right now you're a 5 days late status.  Most credit cards are this way I think.  Just a fee assessed but not reported to CB, but I would call customer service to verify just in case.  Good luck.

I respectfully disagree.  While BoA will not "report it" to the CRA's until 30 days late, they do track such late payments internally and it can cause rate increases, closures, rejections for CLI and even CLD.  CapOne is the same as are many banks.  While they profit off the late fees, they will have this "late" in their internal systems.


BE SURE to set this up on auto pay for at least minimum.  That way you are never late in such a case of error.

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