Just thought I would post this as a data point.
I have 3 cap one cards all opened early 2015. I pif mostly every month and use very often.
My spark card last month had something post on cycle day for 118.00. Like I said I normally pif each month so I forgot to check online like I normally do. (very hectic month)
Anyway I caught it on OCT 8th, One day after due date and paid balance at time ( which included the 118 and about 2800 I had ran through this past month. )
Went on chat and explained what happened and got late fee waived. Hoping this wouldn"t hurt my cli chances this month.
So just today I knew my six months was up so I hit the love button and got a 3000 cli. to bring my card to 8000.
So I guess cap one is as forgiving even of recent late payments if you show a normal pattern of great payment history.
Dont know if it matters, but i got all FIVE capones to post around the same time, so i pay all 5 the same day. i was late once too, got them to waive the late fee. but i never get any CLI's, though i might be at max exposure at $48k.