OMG capital one missed the payment

[mikesonthemend]

OP, this will not hit your reports, it may ding you with Cap1 internally.

It is just as easy to adjust your autopayment as it is to make a normal payment. Give it a try.

[Anonymous]

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@NRB525 wrote:

Autopay.
Capital One even explicitly shows your planned future auto pay above all your list of charges on your card page. It is simply the clearest display that your payment is good to go, of any of the major banks I have worked with. Everyone else makes you hunt for it to verify AP is working.  

Autopay.

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Capital One will take your auto pay even if you already paid your minimum as long as you have a balance. This is an obnoxious setup that they have. 

• Minimum Amount Due: Each month, we will debit your AutoPay Bank Account by the “Minimum Amount Due” referenced in your monthly statement OR the “Account Balance” whichever is the lower of the two amounts when the AutoPay Payment begins processing.

Note: We will debit your AutoPay Bank Account each month even if you made other payments between the statement issuance date and AutoPay Payment Date, including if you paid the “Minimum Amount Due”. No debit will be made if you have a zero balance “Account Balance” when the AutoPay Payment begins processing. (We will generally begin processing your AutoPay Payment 1-2 days before your due date.)

[NRB525]

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@Anonymous wrote:

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@NRB525 wrote:

Autopay.
Capital One even explicitly shows your planned future auto pay above all your list of charges on your card page. It is simply the clearest display that your payment is good to go, of any of the major banks I have worked with. Everyone else makes you hunt for it to verify AP is working.  

Autopay.

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Capital One will take your auto pay even if you already paid your minimum as long as you have a balance. This is an obnoxious setup that they have. 

• Minimum Amount Due: Each month, we will debit your AutoPay Bank Account by the “Minimum Amount Due” referenced in your monthly statement OR the “Account Balance” whichever is the lower of the two amounts when the AutoPay Payment begins processing.

Note: We will debit your AutoPay Bank Account each month even if you made other payments between the statement issuance date and AutoPay Payment Date, including if you paid the “Minimum Amount Due”. No debit will be made if you have a zero balance “Account Balance” when the AutoPay Payment begins processing. (We will generally begin processing your AutoPay Payment 1-2 days before your due date.)

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OP missed the exact timing necessary to slide in a $4 ( four dollars ) payment for the open balance from the prior statement. OP has apparently been watching this $4 amount earn a ton of interest in the checking account, instead of just paying it ( or setting up autopay to ensure it got paid at the precise time ). The Cap One card has been in the SD if there is all of $4 charged to it. 

If you want CapOne to take only the minimum then include in your calculation of your other payments through the month "I expect CapOne to take $35 more [fill in the minor amount]  so I shall pay $35 less manually.  That, however is an entirely different topic ( part of the mega-thread battle between autopay and push payments ).

Autopay solves OP's $4 problem, full stop. 

[delaney1]

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@Anonymous wrote:

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@NRB525 wrote:

Autopay.
Capital One even explicitly shows your planned future auto pay above all your list of charges on your card page. It is simply the clearest display that your payment is good to go, of any of the major banks I have worked with. Everyone else makes you hunt for it to verify AP is working.  

Autopay.

---

Capital One will take your auto pay even if you already paid your minimum as long as you have a balance. This is an obnoxious setup that they have. 

• Minimum Amount Due: Each month, we will debit your AutoPay Bank Account by the “Minimum Amount Due” referenced in your monthly statement OR the “Account Balance” whichever is the lower of the two amounts when the AutoPay Payment begins processing.

Note: We will debit your AutoPay Bank Account each month even if you made other payments between the statement issuance date and AutoPay Payment Date, including if you paid the “Minimum Amount Due”. No debit will be made if you have a zero balance “Account Balance” when the AutoPay Payment begins processing. (We will generally begin processing your AutoPay Payment 1-2 days before your due date.)

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Yes, it is annoying. I used to just deduct the auto pay amount from my payment, but now I just cancel the autopay payment after I set up my monthly payment.

[Remedios]

Running a prequal to see if they will approve means nothing.

If there is a "snag" in internal records such as missed payment, it wont be taken into account until the actual application is processed.

It's really no different than applying to see if you're on BL. In these cases, prequals mean nothing.

Of course, there is a possibility of approval, but finding out comes at the cost of 3 HPs.

As far as autopay goes, I'd rather them take extra $35.00 than go through this.

Plus, this is MF where everyone PIFs, right? 

[FireMedic1]

@Jccflat  you can login and hit "I want to". Top search bar type "Alerts". You can chose each card and get alerts for so many different actions. One is how many days until due date for future accidently brain farts.

[Jccflat]

Update 

just to spoke to capital one I was told it's not gonna affect For new applications it only affects for credit line increase on that specific card

And not to worry I kept checking the preapproval Capital One is still showing the offers

[seattletravels]

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@Remedios wrote:

Plus, this is MF where everyone PIFs, right? 

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Sure seems that way. Some exceptions made for BT offers but there are still some posters that will give side eye for carrying a balance on those. 😒

[Anonymous]

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@Jccflat wrote:

Update 

just to spoke to capital one I was told it's not gonna affect For new applications it only affects for credit line increase on that specific card

And not to worry I kept checking the preapproval Capital One is still showing the offers

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That's great to hear. Thanks for the update. 

[Anonymous]

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@Jccflat wrote:

Update 

just to spoke to capital one I was told it's not gonna affect For new applications it only affects for credit line increase on that specific card

And not to worry I kept checking the preapproval Capital One is still showing the offers

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That's good, but unfortunately you have to remember the "Don't trust what CSRs say" rule!