@Anonymous wrote:
You should be OK if it was less than 30 days late, as credit reporting doesn't start until the 30 day mark
You probably did incur a late fee - might have luck calling customer service and asking for a courtesy waiver if you've never done it before.
As for how it affects your chance at getting a line increase down the road I wouldn't sweat it - Citi is notoriously stingy with CLI's anyway, so if you've cut your 10% chance in half, you haven't lost much
Cheers!
+1
I would call them right away (especially since you've already corrected the missing payment) and see if they will give you a "one-time courtesy waiver" of the late fee... most lenders will do this if it's your first time ever being late.
Note that there's little reason not to at least ask, since if you are late again in the future it will no longer be your first time and most likely they wouldn't waive it then (in other words, there's no reason to 'save' the request).
Don't sweat it; it happens to most of us eventually and as long as you cleared it up right away there will be no impact to your credit score, although it might impact your CLIs with that one card for a while. Just use the experience as a 'wake-up' call that you need to tighten up a bit, or at a minimum tweak your system for keeping up with payments.
Good luck!
