Anything over thirty days is reported late to the credit reporting agencies. This will only affect you on credit line increases. Mistakes happen. Call them. They waive their first late fee on each calender year.
According to their website, and I am checking this out myself they waive you're first calender year late payment AUTOMATICALLY. Now I would call, and mention that. Ask for a one time extension but anything under thirty days will not report.
A payment that is late by three days is NOT a reportable to the CRAs as a 30-late.
As clearly stated at several places in the common credit reporting manual used by each of the big-3 CRAs, a late payment is not reportable to the CRA until it has become at least 30 days past the billing due date.
A consumer becomes delinquent under their account agreement if the min payment is not made by the billing due date.
However, the CRAs dont want to record each and every minor delinquency. They only accept reporting as 30-late if the payment is not made within 29 days after the billing due date.
If you have a late reported to a CRA that is less than 30 days late from the billing due date, then submit a dispute along with your documentation, such as billing statements, as to its accuracy, citing the CRA reporting manual, titled the Credit Reporting Resource Guide,
I once setup autopay on my discover card, tossed the card in my sock drawer and promply forgot about it for 2 years. When I looked at it again, it turns out that the autopay had been setup for the wrong day and I was 2 days late every month for 2 years straight. The late payment fee meant that I actually owed more than I did at the beggining. Never anything negative on my reports from it, and I did get 2 years worth of late fees and compounding interest removed after a few calls.