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Got paid this morning and did my routine of making payments on all my bills. Logged in to NFCU to make a payment and noticed that there was no payment activity at all for last month. Double checked my Money app that i use to track all my spending, and sure enough, I did not make a payment for last month on my CashRewards! My payments are due on the 1st of every month, with the statment closing on the 4th. Called up customer service and they said I should be fine in terms of no late payment reporting to the bureasus since my cycle doesn't close until tomorrow. With it being the weekend is that really true? I made a payment at 6 AM this morning. They said I wont receive any increase to my APR.
In the 13 years I've had cc's I have never missed a payment. Feeling a little sad right now. Anyone else ever miss a payment with NFCU?
@CreditInspired wrote:
It's ok. We have all had those moments. Do you have OOPS or CLOC attached to your NFCU checking acct? If yes, put payments on autopay and you'll never have to have one of those moments again. So happy you're back to your normal self. Have a great day.
+1
Doing that now! Thanks for the tip!
+1 autopay + ploc/cloc.
Has saved me more than once! So much better to pay a few days interest on my PLOC, than to get hit with NSF fees and potential damage to my FICO.