This may be a way to get a late payment removed

[JoannaBucanna]

Correct me if I'm wrong. 

if you have a credit card statement and under the finance charge conditions and terms it doesn't state a specific date where the credit card payment must be made... they must delete? 

Is this true? 

[Remedios]

No.

If you didn't know when to pay, you'd  end up with late first month card/account was opened. If your first payment was late, but subsequent ones were on time, obviously you found due date. 

Also, there is no way an account doesn't have a due date. That's an impossible scenario. 

Don't waste your energy on "discovering" ways to delete legitimate info. 

If it was that easy/simple, no one would have negatives on their report. 

You can ask for goodwill deletion, and you can ensure you continue paying on time.  

[chiefone4u]

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@JoannaBucanna wrote:

Correct me if I'm wrong. 

if you have a credit card statement and under the finance charge conditions and terms it doesn't state a specific date where the credit card payment must be made... they must delete? 

Is this true? 

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I'm not sure if I'm understanding the question correctly. 

If I am, the section of you ToS/ToC that discuss payment and interest charges rarely give an actual date the payment is due.

  This section would tell you how to avoid paying interest, as well as some sort of language that says your payment is do "x" amount of days after your statement issue date.

If you are referring to the actual credit card statement, the payment due date is usually on the payment slip along with total due, minimum due, phone number and mailing address (for those who still mail checks -- I know lots of people that are trying to fund the postal service this way).

Typically, a 30 day late isn't reported to the CRA's until 30 days after the payment was missed... if you are say, 15 days past the due date; it is added to your internal file and may prevent future CLI's, but shouldn't be reported to CRA's. 

[SouthJamaica]

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@JoannaBucanna wrote:

Correct me if I'm wrong. 

if you have a credit card statement and under the finance charge conditions and terms it doesn't state a specific date where the credit card payment must be made... they must delete? 

Is this true? 

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No, it's not true.

[SoCalGardener]

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@Remedios wrote:

Also, there is no way an account doesn't have a due date. That's an impossible scenario. 

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Definitely--at least when it comes to CCs. Other types of accounts--my water bill, as an example--don't show a due date, but simply say 'payment due upon receipt.'  But I've *never* seen that on a CC or any kind of credit account.

[OmarGB9]

I agree with @Remedios above. Even if it doesn't say a specific date in the finance charge disclosures, the due date is pretty clearly spelled out on the statement as well as your online dashboard when you log in (if you pay online).

[RobynJ]

Are you just asking this as a general question or do you have actual lates that you're trying to have removed? This question seems pretty straightforward to answer, no, if you're legitimately late then the only way that I have read to have removed is by (like was said above) a good will from the CC Company. 

[donkort]

Yep.....in the letter, accept blame, state you will never do it again, and offer to turn on "automatic payments."

This worked with me with Cap One, though I was able to do it through a phone call.