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A bit frustrated

Lab07
Established Member

A bit frustrated

I'm a bit frustrated with Cap One.  Had them call me last night at 8pm stating I was late with my payment and I'd have to make a paymet in the morning.  I've been a customer with them for 3 solid years and never been late with a payment and always pay more than min.  SO they call me when my poayment is 3 days late.  Come one folks... I know its late but never not paid and this is the first time late and calling when its 3 days late... Gezzz give me a break!    Thanks for letting me vent! 

Message 1 of 10
9 REPLIES 9
Saeren
Mega Contributor

Re: A bit frustrated

It was nice of them to call you. They certainly don't have to and can just let you wreck your credit. I would be happy with them instead of frustrated with them personally. 





Message 2 of 10
Jnbmom
Community Leader
Senior Contributor

Re: A bit frustrated


@Saeren wrote:

It was nice of them to call you. They certainly don't have to and can just let you wreck your credit. I would be happy with them instead of frustrated with them personally. 


+1

 

I agree I would be happy as well, say this was an oversight and you didn't realize it and forgot to pay, 30 days later bamn. 

EXP 758 TU 783 EQ 729
Message 3 of 10
ImTheDevil
Community Leader
Super Contributor

Re: A bit frustrated

They are fully within their rights to call you, or to do as Saeren said and leave you to your own devices and end up with a 30-late. They could just decide to up and close your account without notice too.

There’s a very specifically-designed agreement in opening a card. You borrow their money and you pay it back on their terms and their schedule, exactly as they say, every single time. If it’s due on the 15th, that means the 15th, not within a few days of the 15th. Your choice how to continue. A few days late won’t get reported to the bureaus but it can kill your chances of a CLI for a couple years with them. Too many times and they’ll just shut you down.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 4 of 10
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: A bit frustrated

It's computer automated. Once you're late, the computer drops your account in the loss mitigation queue for calls. The system probably is set to give 2 days for payments coming in the mail. Better than Chase. You'll get a call the next day.




Message 5 of 10
Ericguest
Regular Contributor

Re: A bit frustrated

I remember them calling me because I was late to pay my auto loan. It is frustrating when you’re busy and someone calls you and mumbles about late payment.
But I found perfect solution: autopay! You schedule it and you can forget about all that frustration with them calling you at a bad time and mumble some *bleep.
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Message 6 of 10
Bbcatcher
Valued Contributor

Re: A bit frustrated

I’d also be happy. Sometimes things happen and you forget, date gets ahead of you, etc.

At least it wasn’t a call saying they were closing your account



Message 7 of 10
CardNut
Valued Contributor

Re: A bit frustrated

Not sure what your scores are,  your util with CO, and total util. If util is higher, they might be a little more jumpy with late payments. 

 

As mentioned, a due date is a due date and is in the agreement you accepted. They are fully in the right to expect payment by that date.

Scores, HPs/24 mos. (updated 01/13/21):
    Experian FICO Score 8 = 828, 1/24
    Experian FICO Score 9 = 813, 1/24
   TransUnion = 811, 1/24
    Equifax = 813, 0/24

Total 2020 rewards, incl. offers/deals = $1,388.00

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 8 of 10
GApeachy
Super Contributor

Re: A bit frustrated


@Lab07 wrote:

Gezzz give me a break!    Well they did, a 7 year break.  Be happy! Smiley Wink Thanks for letting me vent! It's just frustrating when things don't go as planned but at least this "thing" is not a "thing" afterall.


 

"My Take Home Pay Don't Take Me Home"
Message 9 of 10
RickNATL
Established Contributor

Re: A bit frustrated

Agreed with other sentiments....I'd be happy they called.
Message 10 of 10
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