topic Re: Care Credit payment 1 day late... in Credit Cards

Care Credit payment 1 day late...

CreditJourney007 — Wed, 20 May 2020 05:42:45 GMT

My card was due on the 19th which was about 40 minutes ago, but my auto pay didn't kick in yet, so I scheduled the payment to be taken out today which is the 20th, so it will be 1 day late.

I know no one can predict the future, but any guesses on the chances of AA? I know Synch is tightening their belts. Have had the card 1.5 years and never paid late. Would hate to lose that 15k limit.

Re: Care Credit payment 1 day late...

Anonymous — Wed, 20 May 2020 05:44:59 GMT

Call them. It's always best to call and explain what happened.

Re: Care Credit payment 1 day late...

Brian_Earl_Spilner — Wed, 20 May 2020 06:55:57 GMT

With how trigger-happy sync is right now, there's a high chance of AA. You'll have to call in and run damage control.

Re: Care Credit payment 1 day late...

TekkenQQ7 — Wed, 20 May 2020 07:10:30 GMT

I wish you the best.

Re: Care Credit payment 1 day late...

Gollum — Wed, 20 May 2020 07:38:30 GMT

@CreditJourney007 wrote:
My card was due on the 19th which was about 40 minutes ago, but my auto pay didn't kick in yet, so I scheduled the payment to be taken out today which is the 20th, so it will be 1 day late.

I know no one can predict the future, but any guesses on the chances of AA? I know Synch is tightening their belts. Have had the card 1.5 years and never paid late. Would hate to lose that 15k limit.

CreditJourney007,

I suggest you wait a day or so to find out which date your payment was credited.

Re: Care Credit payment 1 day late...

snickerpedia — Wed, 20 May 2020 10:45:32 GMT

What was your balance on the card and how much did you pay??

normallly I would say don't worry but in these times I would definitely call ASAP - goodluck

Re: Care Credit payment 1 day late...

Iusedtolurk — Wed, 20 May 2020 11:52:46 GMT

@Anonymous wrote:
Call them. It's always best to call and explain what happened.

Agreed it's always a good thing to get ahead of anything that could become a problem. (especially the way sync has been lately).

Re: Care Credit payment 1 day late...

M_Smart007 — Wed, 20 May 2020 11:54:00 GMT

@Anonymous wrote:
Call them. It's always best to call and explain what happened.

Re: Care Credit payment 1 day late...

Anonymous — Thu, 21 May 2020 04:17:15 GMT

@Anonymous wrote:
Call them. It's always best to call and explain what happened.

The best explanation is no explanation. You don't need to give them ammunition to initiate a closure or slash an SL.

If you do decide to call, you tell them one word: "oversight".

Re: Care Credit payment 1 day late...

Anonymous — Thu, 21 May 2020 04:20:46 GMT

@Anonymous wrote:
@Anonymous wrote:
Call them. It's always best to call and explain what happened.
The best explanation is no explanation. You don't need to give them ammunition to initiate a closure or slash an SL.

If you do decide to call, you tell them one word: "oversight".

You get a lot further when you actually take ownership of your issues than when you act like it wasn't your fault. If a computer is going to take AA, it's going to happen regardless, but if a human is involved in that decision, honesty can get you empathy.

It's not like it can do any more harm than being late in the first place.

Re: Care Credit payment 1 day late...

Gollum — Thu, 21 May 2020 08:56:34 GMT

@Anonymous wrote:
You get a lot further when you actually take ownership of your issues than when you act like it wasn't your fault. If a computer is going to take AA, it's going to happen regardless, but if a human is involved in that decision, honesty can get you empathy.

It's not like it can do any more harm than being late in the first place.

From what @CreditJourney007 wrote in the initial post to this thread (05-19-2020 10:42 PM), the timing and the scheduling of his/her/its payments seem unclear to me. If the payment turned out to not actually be late, then I think drawing attention could be bad. If the payment turns out to be late, then sure, call.

Re: Care Credit payment 1 day late...

ocheosa — Thu, 21 May 2020 19:47:13 GMT

@Gollum wrote:
@Anonymous wrote:
You get a lot further when you actually take ownership of your issues than when you act like it wasn't your fault. If a computer is going to take AA, it's going to happen regardless, but if a human is involved in that decision, honesty can get you empathy.

It's not like it can do any more harm than being late in the first place.
From what @CreditJourney007 wrote in the initial post to this thread (05-19-2020 10:42 PM), the timing and the scheduling of his/her/its payments seem unclear to me. If the payment turned out to not actually be late, then I think drawing attention could be bad. If the payment turns out to be late, then sure, call.

Agree damage control is indeed warranted. Good luck OP!

With Synchrony accounts it's quite easy to see if a payment has been made or scheduled (pending), it is detailed on the payments page. On all my accounts they also add a pending payment banner on the right side of the summary page. So as the OP said, the auto payment feature did not yet kick in, IIRC it can take two months or so. I don't use this feature but when I checked it out there was a disclaimer advising that you continue making manual payments until the initial auto payment has actually gone through.

Re: Care Credit payment 1 day late...

CreditJourney007 — Fri, 22 May 2020 06:26:57 GMT

@ocheosa wrote:
@Gollum wrote:
@Anonymous wrote:
You get a lot further when you actually take ownership of your issues than when you act like it wasn't your fault. If a computer is going to take AA, it's going to happen regardless, but if a human is involved in that decision, honesty can get you empathy.

It's not like it can do any more harm than being late in the first place.
From what @CreditJourney007 wrote in the initial post to this thread (05-19-2020 10:42 PM), the timing and the scheduling of his/her/its payments seem unclear to me. If the payment turned out to not actually be late, then I think drawing attention could be bad. If the payment turns out to be late, then sure, call.
Agree damage control is indeed warranted. Good luck OP!

With Synchrony accounts it's quite easy to see if a payment has been made or scheduled (pending), it is detailed on the payments page. On all my accounts they also add a pending payment banner on the right side of the summary page. So as the OP said, the auto payment feature did not yet kick in, IIRC it can take two months or so. I don't use this feature but when I checked it out there was a disclaimer advising that you continue making manual payments until the initial auto payment has actually gone through.

It was scheduled late. Due on the 19th, thought autopay kicked in, logged in to check, panicked when I saw it was late. Scheduled it after midnight so it = 1 day late. Payment was taken out and limit has remained the same. I am waiting until my statement to see if there's a late fee and/or AA. Then I'll call.

Re: Care Credit payment 1 day late...

AverageJoesCredit — Fri, 22 May 2020 12:10:27 GMT

How does an autopay schedule late? Whats the point of having autopay if it doesnt autopay before or on due date?

Re: Care Credit payment 1 day late...

CreditJourney007 — Fri, 22 May 2020 14:46:24 GMT

@AverageJoesCredit wrote:
How does an autopay schedule late? Whats the point of having autopay if it doesnt autopay before or on due date?

I didn't sign up for it in time for this month, that's why. I didn't realize there was a lag time until it kicked in.