Established Contributor
chan85
Posts: 554
Registered: ‎03-13-2011
Apparently I have missed my FIRST payment!?

Got a NY&Co card, wasn't paying attention and didnt get a statement, so just happened to look online. Due date is today! but apparently you can only make payments up until 6PM in order for them to count the same day! Of course it's now almost 11pm.. Tried to call and ask questions but the call center is closed after 9, and in order to make a payment with a rep they charge $15 anyway.... I'm sick To my stomach right now..... Will they report me as late or do they only report when it's 30 days past due?? It's Comenity Bank, if anybody has any experience with them....

WM TransUnion- 650 (6/2014) Credit Sesame Experian- 691 (6/2014) Credit Karma TransUnion- 665 (6/2014)
Amex Zync/UNICORN- NPSL/Capital One Venture One Pro -$7,000/NFCU Cash Rewards- $7,500/NFCU NavChek- $5,000/SouthWest Airlines- $5,000/Capital One Quicksilver Platinum- $3,000/Wal-Mart Discover- $6,000/Bill Me Later- $2,200/JCP- $4,700/Discover IT- $500/Care Credit -$2,300/Old Navy Visa- $2,000/New York & Company - $1,000/Capital One -$800
GOALS: No new inqs until 10/30/14. Pay off debt consolidation loan in less than 1 year. Snowball debt payments.
Last HP: 3/5/14