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30 day past due with Target Credit Card

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CardsLifeLine
Frequent Contributor

30 day past due with Target Credit Card

Hello Friends,

I need some advice with my situation.  Over this weekend, a 30 day past due has been reported on my all credit reports by TD bank [ Target red card]. An amount of just $24 and I set-up auto pay on my target credit card on Aug 15th and ignored to login as I do not use card much. 

To my misfortune, there was a return payment which I was not made aware of and no notification that there is any payment due on my account, untill credit reporting agencies triggred an alert yesterday. 

 

I sent an email to Target customer service explaining that I have thier card since 2012 with no missed payments and this time it got missed due to Auto Pay failure for unknow reason. They are not ready to remove this 30 day past due and not agreeing to my apeal. 

 

How should I go  about this situation and my score dopped more than 40 points ?

 

I paid off $24 as soon as I get to know this and there is no balance remaining on my account now. 

 

Please advice. 

 

Thank you. 

USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 1 of 8
7 REPLIES 7
Remedios
Credit Mentor

Re: 30 day past due with Target Credit Card

You should continue with writing polite letters explaining over and over that it was auto pay failure. It may not produce results on a first try or 5th, but it may eventually.
Dont dispute it with CRA, because it will be verified and cause further score drop.
Even though 30 day late technically is not your fault, CRA wont care.
So, just continue attempting to explain and ask them to investigate what went wrong on their end.
Make sure you had money available in the bank, and if need be, be prepared to send a banking statement showing funds were available
Also, it may help if you can get something from your bank stating that there was no attempt to draw funds from your account.
It might be an uphill battle, but it can be done.
Message 2 of 8
CreditInspired
Community Leader
Super Contributor

Re: 30 day past due with Target Credit Card

Unfortunately OP we, and definitely CCCs, have heard this reason a zillion times so IMHO, you need to stand out from the rest if you want this resolved.

I ask the questions below because there are a couple of things, for me anyway, that stood out in your post.

You said you set up autopay on Aug 14.
When was payment due?
Was this the first time you used auto pay?

You said there was a return payment.
Are you saying you didn’t log into your checking account either? Are you saying that you didnt realize a $24 payment had not been debited from your account, and more importantly, a NSF fee, if any?

You said you missed pymt due to autopay failure for unknown reason.
I’m sorry but this reason is just too general. You have to be more specific. Did you contact your bank and demand to know why your autopay didnt work? Was your account number input incorrectly (even if yes, still consumer’s fault, but at least it’s a verifiable reason).

Now, as Remedios said, if you have proof the autopay wasn’t your fault, that’s good. If not, you may have to chalk this up to lesson learned if GW letters don't work.

Lessons for the future:
Check your bank accounts and credit accounts daily until you find a rhythm that works for you. I check all of my accounts every single day, if only for fraud.

You have to setup credit alerts on you account to be notified of whats going on.

And since you havent been keeping a lookout on your account, count your blessings because there could have been fraudulent charges on your account and no alert to the fact.

And GL2U on getting this resolved.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 3 of 8
CardsLifeLine
Frequent Contributor

Re: 30 day past due with Target Credit Card

I am with you 

 

 

 

 

 

 

 

 

 

USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 4 of 8
CreditInspired
Community Leader
Super Contributor

Re: 30 day past due with Target Credit Card

Absolutely still send the GW letters since this is the first mishap in eons. But don’t say an unknown error since it wasnt. Beg, plead, and grovel, and flood them with letters. One letter may land on someone’s desk who can or will empathize.

In order for this to never, ever happen again, I suggest linking your checking acct to your savings acct or get overdraft protection. Also set up alerts. I have calendar alerts and bank alerts. Honestly, it’s not the bank’s responsibility to alert you. The onus is on you.

Knock-on-wood your scores were already really high. A drop to 780 won’t have any negative effect on your credit history in anyway because you still have excellent credit. And Kudos for that.

So, you’re good to go 😁.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 5 of 8
GApeachy
Super Contributor

Re: 30 day past due with Target Credit Card

Is it true that one 30 day late can/will spook the other lenders? It's not like you can put an explanation as to the why's/how's on your reports but....

Since you cannot make your own notes on your cr's, would it be a good thing to do the following before/around the 30 day late reports:

A. have all other balances reporting very low?  Is this at least one way to be proactive and possibly avoiding a trickle effect of small/med/large AA's by the other lenders? (due to them seeing a 30 day late)

B. Using the cards less for quite a while? perhaps for it to not look like you need the credit and possibly show it was a small misstep and not looking like loss of ability to pay/pay on time?

Just wondering....

My Take Home Pay Don't Take Me Home
Message 6 of 8
Aim_High
Super Contributor

Re: 30 day past due with Target Credit Card


@GApeachy wrote:  " ... It's not like you can put an explanation as to the why's/how's on your reports but.... Since you cannot make your own notes on your cr's ... "

Actually, you can make brief statements on your report!  So that's the good news. Smiley Happy

The bad news is, that lenders may not read it or take it into account, and it won't affect your FICO score.  Smiley Sad

But you are allowed to do it.

 

"Under the Fair Credit Reporting Act (FCRA), you have the right to attach a personal statement to your credit report. It isn’t much (just 100 words, or 200 words in the state of Maine), and it has no numerical value in the formula that generates your credit score.

However, a personal statement allows you to explain the circumstances behind the negative information or to dispute information you feel is incorrect although a creditor has verified it as correct. This statement will be included each time your credit file is accessed. You can add a statement to your credit report by sending your statement in writing." (from Equifax)

 

Remarks can be either account-specific or general.  The general statement stays on the report for two years but the account-specific is deleted when the account is deleted.  So be careful about making potenially negative general statements that may stay around after a particular account in dispute is removed. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 7 of 8
Aim_High
Super Contributor

Re: 30 day past due with Target Credit Card


@CardsLifeLine wrote:

Over this weekend, a 30 day past due has been reported on my all credit reports by TD bank [ Target red card].


Sorry to hear about your bad experience with TD Bank and a 30-day late.  I wish I had better news.  I had a somewhat similar situation many years ago.  I wrote Goodwill letters twice to different people to try to have it removed.  They adamantly refused.  Articles I've read online say that GW letters usually work more than 50% of the time, especially on a first, minor offense.  But TD Bank is very customer-unfriendly and conservative.  Still, I would try the GW letter approach.

 

The good news ... that 30-day late won't affect your score nearly as much as a more severe late and it will quickly lose it's punch over a few years.  My scores have been over 800 for the past few years, as high as 850 even.  The bad news ... it won't be automatically removed until seven years has passed.  Mine is finally coming up on it's statute of limitations and will fall off in January 2020, with their help or not.  Good riddance, late pay and Target stores.  Their loss.  Yes, my card is now closed and I refuse to shop there anymore, with or without their card.  There are plenty of other options. 

 

I'm not saying I was not partially at fault in the situation.  But they had a very real role too, in my opinion. And then they were just very unempathetic and unforgiving, compared to other FI's I worked with on similar situations.  As soon as I realized what had happened, I paid them in full immediately, not just the minimum payment but the full balance of over $200.  It was a brand-new account and there was a miscommunication.  They refused to excuse interest charges.  They refused to excuse the late charge as a one-time courtesy.  After I continued to use the card, set up auto-pay, and PIF to show accountability and use of the card, and let some time pass, they still refused (twice) to remove the 30-day late.  

 

So try to get it removed, but I wouldn't expect much from them.  They dont' care about their customers and it's very evident.  I was a 30-year customer and drank the kool-aid.  They aren't what they seem. 

 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 8 of 8
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