topic Re: PLEASE Help me - I was 2 days late on my NFCU CC payment in General Credit Topics

PLEASE Help me - I was 2 days late on my NFCU CC payment

tussking — Tue, 18 Feb 2020 22:31:15 GMT

I have NEVER been late! How should I deal with this? I was not charged a late fee and I may be overreacting...

I had logged in and swore I made the payment but apparently I didn't.

How will this reflect with NFCU? Can I beg them to remove this as a one-time courtesy?

I'm quite ashamed.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

thornback — Tue, 18 Feb 2020 22:36:40 GMT

Well, if you were only 2 days past the due date then you have nothing to worry about as far as a late notation being reported on your credit reports -- you have to be 30 days past the due date for a late to be reported.

As far is NFCU is concerned, it may have lowered your internal score with them a bit... but you caught it early so should be able to mend the relationship damage (if any) within 6 months time.

Things happen sometimes -- Good idea to set up autopay to pay the minimum on all of your accounts to prevent these types of mishaps.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Remedios — Tue, 18 Feb 2020 22:37:34 GMT

I dont know if NFCU assess the fees for late payments.

If they do, either pay it or call and explain it was an error and see if they will waive it.

I doubt anything bad will result from it, may put a little dent as far as internal risk score goes, so it may or may not affect increases or new apps in the near future.

It's really not the end of the world, and sky wont fall.

You should start the auto pay to ensure this doesnt happen again.

Most lenders will get over an isolated event. If it repeats itself, it might be a different story.

You'll be okay.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Remedios — Tue, 18 Feb 2020 22:38:08 GMT

@thornback wrote:
Well, if you were only 2 days past the due date then you have nothing to worry about as far as a late notation being reported on your credit reports -- you have to be 30 days past the due date for a late to be reported.

As far is NFCU is concerned, it may have lowered your internal score with them a bit... but you caught it early so should be able to mend the relationship damage (if any) within 6 months time.

Things happen sometimes -- Good idea to set up autopay to pay the minimum on all of your accounts to prevent these types of mishaps.

1 minute!

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

thornback — Tue, 18 Feb 2020 22:40:59 GMT

@Remedios wrote:

1 minute!

GET OUT OF MY HEAD!

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Remedios — Tue, 18 Feb 2020 22:43:16 GMT

@thornback wrote:
@Remedios wrote:

1 minute!
GET OUT OF MY HEAD!

I'm currently stuck in amygdala.

Plz send help

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Anonymous — Tue, 18 Feb 2020 22:44:37 GMT

NFCU gives a grace period before they actually even consider you late from my understanding. If they didn't charge you a fee, you weren't late in their eyes. IIRC, you're late if you haven't paid your minimum by the time your next statement is issued.

Also, if you paid 2X your minimum the previous month, you may not have even had a payment due. Check your statement to make sure. I have no payment due this month because they automatically let you skip every other payment if you always 2X or more.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

sccredit — Tue, 18 Feb 2020 22:53:46 GMT

Take a deep breath. You MAY be charged a late fee, maybe not. It definitely won't report to credit because it wasn't 30 days late. Just take a deep breath and make sure your payments are on time going forward and I am sure Navy will be just fine. Auto pay is a great idea, even for just the minimum payment.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

thornback — Tue, 18 Feb 2020 22:56:37 GMT

@Remedios wrote:
@thornback wrote:
@Remedios wrote:

1 minute!
GET OUT OF MY HEAD!
I'm currently stuck in amygdala.
Plz send help

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Remedios — Tue, 18 Feb 2020 23:03:09 GMT

@thornback wrote:
@Remedios wrote:
@thornback wrote:
@Remedios wrote:

1 minute!
GET OUT OF MY HEAD!
I'm currently stuck in amygdala.
Plz send help

❤🤗

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

thornback — Tue, 18 Feb 2020 23:03:59 GMT

@Anonymous wrote:
NFCU gives a grace period before they actually even consider you late from my understanding. If they didn't charge you a fee, you weren't late in their eyes. IIRC, you're late if you haven't paid your minimum by the time your next statement is issued.

Did not know this... good info.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Remedios — Tue, 18 Feb 2020 23:06:23 GMT

@tussking , sorry @thornback and I tend to type at the same time, so it's kinda a joke only it's real.

Seriously, I really do not see anything bad happening if this is your first time.

Also @Anonymous raised some pretty valid points there, so I think it's pretty safe for you to relax

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Anonymous — Tue, 18 Feb 2020 23:13:18 GMT

@thornback wrote:
@Anonymous wrote:
NFCU gives a grace period before they actually even consider you late from my understanding. If they didn't charge you a fee, you weren't late in their eyes. IIRC, you're late if you haven't paid your minimum by the time your next statement is issued.

Did not know this... good info.

There was a post that shared it some time last year. Basically they had missed their payment, similar situation to OP, and they called NFCU frantic and were informed they don't even count it as late until the next statement is generated. Now that could be a CSR giving wrong info so I never shared it with anyone but as OP said there hasn't been a late fee assessed, it certainly seems like that is indeed the case.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

AllZero — Tue, 18 Feb 2020 23:13:39 GMT

@thornback wrote:
is typing...

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

CA4Closure — Wed, 19 Feb 2020 00:48:47 GMT

Unbecoming of a Navy officer. You shall be censured and demoted on service grade. LOL

NFCU will pass it off. I pay my bill twice a month so that this will never occur. Pay day Friday night is when I pay it!

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

donkort — Wed, 19 Feb 2020 13:31:31 GMT

I've had credit card issuers give me up to a 5-day grace period before penalizing me.

Chase doesn't, though. You get the penalty if you're one day late.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

donkort — Wed, 19 Feb 2020 13:33:01 GMT

If you're 29 days late, and then pay the minimum, they don't report you to the credit bureaus.

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

AverageJoesCredit — Wed, 19 Feb 2020 23:21:23 GMT

Only one who can help you is Navy. A phone call will solve it faster than anyone here can

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

Jccflat — Thu, 20 Feb 2020 04:48:58 GMT

Is it the First or second or third card ?

it makes a big difference

If u wanna apply with them for more credit than it might be prob

nobody can tell you in what level it is effecting

Re: PLEASE Help me - I was 2 days late on my NFCU CC payment

CreditInspired — Thu, 20 Feb 2020 07:21:45 GMT

@Anonymous wrote:
@thornback wrote:
@Anonymous wrote:
NFCU gives a grace period before they actually even consider you late from my understanding. If they didn't charge you a fee, you weren't late in their eyes. IIRC, you're late if you haven't paid your minimum by the time your next statement is issued.

Did not know this... good info.
There was a post that shared it some time last year. Basically they had missed their payment, similar situation to OP, and they called NFCU frantic and were informed they don't even count it as late until the next statement is generated. Now that could be a CSR giving wrong info so I never shared it with anyone but as OP said there hasn't been a late fee assessed, it certainly seems like that is indeed the case.

You're right Saeren because it happened to me2. I called in one month when I noticed no min payment due. And that's what I was told since I had made the previous month's payment twice the size of the min due. I was like yeah right; I'm still paying larger payments because this was on a 0% BT promo.