topic Re: 3 days late on amazon store card in Credit Cards

3 days late on amazon store card

Anonymous — Fri, 19 Jul 2013 13:45:36 GMT

My question is this. I'm currently 3 days late on my Amazon store card(from it's actual due date). This is an honest mistake(i gotta get a dry erase board or something ). I will pay tomorrow, IS THIS REALLY GONNA AFFECT MY FICO SCORE THAT MUCH? by the way this is my first late payment in over 8 months.

Thanks for the answers yall!

Re: 3 days late on amazon store card

MsLadyRover — Fri, 19 Jul 2013 13:49:42 GMT

3 days late won't hurt your score. It has to be 30 days late for it to be reported to the bureau.

You can however face a late fee and/or penalty APR.

Re: 3 days late on amazon store card

Anonymous — Fri, 19 Jul 2013 14:12:58 GMT

@MsLadyRover wrote:
3 days late won't hurt your score. It has to be 30 days late for it to be reported to the bureau.
You can however face a late fee and/or penalty APR.

+1 ... If you had a 0% promo APR for a large purchase, you could now be hit with the default rate which is likely 20% or higher.

Re: 3 days late on amazon store card

atarvuzdar — Fri, 19 Jul 2013 14:15:35 GMT

I would also suggest calling Amazon to let them know the payment will be forthcoming--they may not penalize you if you call them and explain. Doing nothing will almost definitely result in a late fee or penalty APR.

Re: 3 days late on amazon store card

Anonymous — Fri, 19 Jul 2013 14:38:50 GMT

@atarvuzdar wrote:
I would also suggest calling Amazon to let them know the payment will be forthcoming--they may not penalize you if you call them and explain. Doing nothing will almost definitely result in a late fee or penalty APR.

Thanks for the advice guys! feel a little better now...i hate being late on anything now. I'm now 30 years old and want a 700 score by the time im 32! I think this is a realistic goal as i currently sit at 610. CHEERS!

Re: 3 days late on amazon store card

Anonymous — Fri, 19 Jul 2013 17:47:51 GMT

@Anonymous wrote:
@atarvuzdar wrote:
I would also suggest calling Amazon to let them know the payment will be forthcoming--they may not penalize you if you call them and explain. Doing nothing will almost definitely result in a late fee or penalty APR.
Thanks for the advice guys! feel a little better now...i hate being late on anything now. I'm now 30 years old and want a 700 score by the time im 32! I think this is a realistic goal as i currently sit at 610. CHEERS!

Good score, I want to get one of those Total Rewards cards from Comedity like you have, hoping in about 3 weeks

Re: 3 days late on amazon store card

Anonymous — Sat, 20 Jul 2013 19:33:11 GMT

Yeah it does have good rewards for those who like going to the casinos! I only go about one every other year so it adds up when i do get there! I had to recon to get it but i simply told the lady on the phone, that i go every other year and just want it to accumulate the points & BAM! instant approval. no joke, that easy...i must have got the right person on the right day!

Re: 3 days late on amazon store card

SnackTrader — Sat, 20 Jul 2013 19:38:15 GMT

You'll hear this a lot, but I will say it anyway:

SET UP AUTOMATIC PAYMENTS!

Even if just for the minimum, it will ensure that this doesn't happen.

Re: 3 days late on amazon store card

Anonymous — Sat, 20 Jul 2013 19:45:15 GMT

+1!!!!!!

Re: 3 days late on amazon store card

Anonymous — Sat, 20 Jul 2013 20:11:01 GMT

@SnackTrader wrote:
You'll hear this a lot, but I will say it anyway:

SET UP AUTOMATIC PAYMENTS!

Even if just for the minimum, it will ensure that this doesn't happen.

Yes!!!

Re: 3 days late on amazon store card

adavis425 — Mon, 22 Jul 2013 04:26:31 GMT

@SnackTrader wrote:
You'll hear this a lot, but I will say it anyway:

SET UP AUTOMATIC PAYMENTS!

Even if just for the minimum, it will ensure that this doesn't happen.

+1!!!! As others have said, do automatic payments for at least the minimum. You can still PIF but in case you forget, at least the minimum is paid. It really is the way to go. IMO.

Re: 3 days late on amazon store card

JonStur — Mon, 22 Jul 2013 11:25:33 GMT

Also set up alerts with them if possible,. Most creditors will allow you to set reminders, instructing them to text or email you at specific times prior to your due date. I would also consider a service like Mint or Check ( formerly PageOnce).

Re: 3 days late on amazon store card

randeman — Mon, 22 Jul 2013 15:04:32 GMT

As a marcher in the "automated payment" parade, I would also suggest that you set up the payments at least ten days before they are due. Then check your bank accounts daily to see what has cleared and what hasn't. Many payments clear ACH (electronically) and often within two days. For those that have to be done via the paper check method, you will likely know seven days from the date the check was issued whether or not it has cleared. If it hasn't and you're anxious you can call the creditor to see if the payment was received or go to the creditor's website and make a minimum payment through it as a just in case scenario. While I know I am not in trouble unless a payment is thirty days late, I go out of my way to avoid even that cut-off point.

Re: 3 days late on amazon store card

flan — Mon, 22 Jul 2013 23:12:41 GMT

@Anonymous wrote:
@MsLadyRover wrote:
3 days late won't hurt your score. It has to be 30 days late for it to be reported to the bureau.
You can however face a late fee and/or penalty APR.
+1 ... If you had a 0% promo APR for a large purchase, you could now be hit with the default rate which is likely 20% or higher.

No penaility rate I don't think, but it does end the zero percent term, and makes the deferred interest due. You could try calling GE and grovelling, but since they make their money on charging the deferred interest, I wouldn't expect much.