Walmart late fee

[Anonymous]

So since the beginning of this year I’ve been rebuilding my husbands credit. I’m on it like white on rice. I don’t want to mess up because I’m so forgetful. This one is not my mistake! I checked all of my cards to make sure the payments that were due were paid and the ones that were coming up didn’t need to be paid this paycheck. I log into my Walmart card and low and behold there’s a late fee. 😡 why?! My payment wasn’t due until 6-3 and my payment posted on 5-30. Anyone have this problem before. I plan on calling but they’re closed right now. I just want to make sure I don’t have to keep an extra strong eye on this one.

[GApeachy]

Get a screenshot of where the pymt. cleared your bank account....then call them.  Good Luck, Synchrony will show a payment as processing even if you have accidentally given them the wrong bank acct. number or routing number.  So be sure it has cleared your bank acct.

[tcbofade]

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@Anonymous wrote:
So since the beginning of this year I’ve been rebuilding my husbands credit. I’m on it like white on rice. I don’t want to mess up because I’m so forgetful. This one is not my mistake! I checked all of my cards to make sure the payments that were due were paid and the ones that were coming up didn’t need to be paid this paycheck. I log into my Walmart card and low and behold there’s a late fee. 😡 why?! My payment wasn’t due until 6-3 and my payment posted on 5-30. Anyone have this problem before. I plan on calling but they’re closed right now. I just want to make sure I don’t have to keep an extra strong eye on this one.

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Breathe.  It's a known hiccup in Synchrony's payment processing... DO call them, they'll correct it. 

[Anonymous]

Yeah I handled it. I just didn’t want my credit to be messed up over this. They said they don’t even report late payments until its 60 days late so I’m not too concerned now.

[Remedios]

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@Anonymous wrote:
Yeah I handled it. I just didn’t want my credit to be messed up over this. They said they don’t even report late payments until its 60 days late so I’m not too concerned now.

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You were told wrong. Late payment is reported once it's 30 days past due date. 

[AverageJoesCredit]

Plus, you make a late with Sync i wouldnt be suprised to see your limits slashed. They dont play , especially if you bounce a payment.

[Anonymous]

This is one reason ehy I don't play around with the due date. When the statement posts I pay withing that week if i can, but I never wait until 2-4 days before the payment due date.

[Anonymous]

Yeah. That’s why I was freaking. I didn’t want all my hard work to go down the drain. But it was fixed so I feel better.

[Remedios]

Maybe setting up auto pay for minimum payment would be a good idea, or for full balance if that's how you normally pay it. Think of it as failsafe in case you forget. 

I almost did the same thing, and would have been 30 late had it not been for a CU commercial on TV 

That's when I caved in and set auto pay on all cards for minimum payments just in case I get another episode of 💩🧠