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Got a situation here... Dec 22nd car payment was not made.
Jan 21st is the normal last day to keep it from reporting 31-60...
Got to the bank on Saturday, and they had locked the doors early prior to closing time.
MLK being on Monday the 21st, there was no way to pay on that day.
Are all holidays counted in the 30-31 day count?
Is it posible their compters might not count norrmal considering Christmas/ New Years and MLK day?
[All being within this 30 day cycle]
Payment will be made early in the morning of the 22nd... Is there a way to keep this account from reporting a 30 day late?
Thanks
Red
I guess I posted this in the wrong area
You people are really shy
Or it was the middle of the night and not too many people are checking auto loan forms then. Holidays do not push payments dates (30/31) out. You payment due date is your payment due date. If you have missed two, chances are you will have a 30 day late. Call and and plead your case to the creditor.
Usually banks and CUs will credit your payment on the day they receive it, so I'm guessing they'll credit you as paying on Jan 22.
As far as whether they include holidays in the total day count from month to month, I believe that they are counted. Usually 30 days late means 30 calendar days, not 30 business days. But I'd go ahead and call in as suggested to plead your case for them not reporting you as late and not charging late fees.
@pizzadude wrote:
Usually banks and CUs will credit your payment on the day they receive it, so I'm guessing they'll credit you as paying on Jan 22.
As far as whether they include holidays in the total day count from month to month, I believe that they are counted. Usually 30 days late means 30 calendar days, not 30 business days. But I'd go ahead and call in as suggested to plead your case for them not reporting your late and not charging late fees.
+1 30 days is 30 days when it comes to credit reporting