Late payment with citi (Update)

red259 · ‎05-13-2016

I got distracted by work and I missed a payment with citi. Payment was due three days ago. I PIF and the statement has not yet cut for the next cycle. Am iI going to get hit with any sort of late fees or since I got the payment in before the next statement cut will it be ok?

Update: I called in and since I did not have any other lates in the entire history of the account and since I have already PIF they applied a credit to my account for the late fee nd interest charge. This was totally my own fault since I should have setup an autopayment for situations like this when I get too busy and don't check all my accounts.

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Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎05-13-2016

@red259 wrote:
I got distracted by work and I missed a payment with citi. Payment was due three days ago. I PIF and the statement has not yet cut for the next cycle. Am iI going to get hit with any sort of late fees or since I got the payment in before the next statement cut will it be ok?

Probably will get late fees unless you call (which you should do). They may waive them if this is the first time.

elim · ‎05-13-2016

That sux red.... so sorry it happened... I highly recommend PrismMoney as a back-up just for the fact they will hit your cell again if you forget to pay and you can just down swipe to pay it.

I pay all of my bills by pulling payments through links on a spreadsheet but this app is a winner to back up my human brain.

wasCB14 · ‎05-13-2016

Try to get the interest waived, too.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
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Mostly SD: Freedom Flex, Freedom, Arrival
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SUB chasing: AA Platinum Select

Closingracer99 · ‎05-13-2016

Honesty this is why I have auto pay on all my cards for the minimum payment unless it's a card I have a 0% APR on so I can avoid this . At the very worst I'll get charged some interest on the balance

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

JamP · ‎05-13-2016

If its the first time, they will probably just wave the fee.

This has happened to all of us, thats why some cc say the first late is on them.

Call or Chat....

250k+ CL and climbing.

red259 · ‎05-13-2016

@JamP wrote:
If its the first time, they will probably just wave the fee.
This has happened to all of us, thats why some cc say the first late is on them.
Call or Chat....

I did but I have to wait another day for the payment to post. Tomorrow is the statement cut date and she said sometimes there is no late fee if the payment goes through before the next statement cuts. I'll know tomorrow.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019