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Barclays CC accidental late

fmurad
Regular Contributor

Barclays CC accidental late

So I have a NFL card from BarclayCard and don’t really use it have a recurring bill of 13 bucks to keep it open. I thought it was autopay or its been like that for past 2 years. However I get an email that my payment was late. So I paid it immediately freaken out I called and they said it wouldn’t effect my credit report/score. Does anyone know if this is true, never been late on any of my payments so not sure how it works. TIA
M.Ed., NCC; TU8 760; EQ 775; EX 737; 1% util, Total Available Credit $350k+
Message 1 of 9
8 REPLIES 8
Priory_Man
Established Contributor

Re: Barclays CC accidental late

Unless it's 30 days past due you will be OK.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 9
Birdman7
Super Contributor

Re: Barclays CC accidental late

How many days late was it? If it was less than 30 days, you should be good. I was one day late before and called Barclay and they reversed the late fee as it was due to the mail.
-Community’s scoring wisdom: Scoring Primer.
-New: MORTGAGE SECTION.
-Negative Reason Codes: CassieCard’s Score Factors.
-Calculate metrics with ccquest’s Workbook.

Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.



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Message 3 of 9
HeavenOhio
Community Leader
Senior Contributor

Re: Barclays CC accidental late

Your credit report will be fine. Barclays will be the only lender who knows you were late. It's possible that there may be some limitations on this one card for a while, such as being ineligible for a CLI in the immediate future.

Message 4 of 9
fmurad
Regular Contributor

Re: Barclays CC accidental late

It was late by a day only, so looks like I am alright....
M.Ed., NCC; TU8 760; EQ 775; EX 737; 1% util, Total Available Credit $350k+
Message 5 of 9
TruthHurts87
Regular Contributor

Re: Barclays CC accidental late

Just curious. If it was on autopay for 2 years, how did it randomly stop? Do you recall making any changes?
Message 6 of 9
AverageJoesCredit
Community Leader
Mega Contributor

Re: Barclays CC accidental late

Yeah, the 2 years on autopay and then a late payment is concerning.
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 7 of 9
Iceywarm
New Contributor

Re: Barclays CC accidental late

My thing would be that you call them, and ask for a LATE FEE Forgiveness, say we totally forgot about the bill, and mistakes happen.  No credit report hits or anything will happen unless you totally miss it for more than thirty days.

Message 8 of 9
fmurad
Regular Contributor

Re: Barclays CC accidental late

No I don’t remember making changes, but went online and made sure it was autopay. I didn’t ask for the fees waived as I didn’t care about them was concerned about my score/reports. But apparently 1 day late isn’t going to effect me. I’m going to probably start closing accounts I’m not using, it’s too much effort veryfing all cc
M.Ed., NCC; TU8 760; EQ 775; EX 737; 1% util, Total Available Credit $350k+
Message 9 of 9
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