3 days late with Cap1

[Anonymous]

I googled this on Myfico.com but couldn't find the answer to a seemingly rookie question: My due date with Cap1 was 2/14. I had sent in a ck but it hadn't posted so I just went on to make a payment today (2/16) which will post tomorrow (2/17). Will this report adversely? I did get a $15 late fee.

[danisgods]

i have heard that with the new credit card act 1 day late is enough to charge you withe fee, but it wont report as late on your CR , only after 30 days.

[Anonymous]

The fee isn't my biggest concern. It's the price I pay for being an idiot and sending a check from my building thinking the mailman would actually do his job. I might try to call Cap1 and remove it just to make myself mad for a day or two, but as long as my CR doesn't get dinged I'm a happy camper.

[Anonymous]

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@danisgods wrote:

i have heard that with the new credit card act 1 day late is enough to charge you withe fee, but it wont report as late on your CR , only after 30 days.

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+1, a waivable late payment fee no adverse action on your CR.

[Smug]

THats why I pay online.