Will I be reported 30 days late?

[RE-NJ]

Hello!

I missed a Barclays credit card payment that was due on 10/14. That past due amount was not paid until today 11/12. Will Barclays consider that 30 days late? I'm really unsure if the 30 days includes due date of 10/14 because if it does, then today would be the 30th day. If it doesn't, then today would only be the 29th day. Does anyone have any insight?

Thanks so much!

[Anonymous]

I would guess it is 29 days since you aren’t 1 day late on the 14th. The 15th is 1 day let so today would be the 29th day late.

[RE-NJ]

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@Anonymous wrote:
I would guess it is 29 days since you aren’t 1 day late on the 14th. The 15th is 1 day let so today would be the 29th day late.

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Thanks for the reply!

I'm really hoping today would only be the 29th day late since I also take the view that the due date itself shouldn't be considered a "late day".

However, I've read so many conflicting viewpoints on what is considered a 30 day late payment e.g. "30 days from due date", "30 days after due date", "30 days including due date because of payment cut-off times", etc.

[RobertEG]

The following is a direct quote from the standard credit reporting manual, the "Credit Reporting Resource Guide," which is the official reporting standard of the big-4 CRASs:

The “clock” for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. The following example tracks an account history for four months, specifying the Metro 2® Account Status Code that should be reported.   The Due Date for this example is the 15th of each month.

Date of Acct. Info.              Jan. 1 Feb. 1 Mar. 1 Apr. 1

Bills Received                    1           2           3           4

Payments Past Due            0           1           2           3

# Days Past Due Date        0          17         45         76

Metro 2 Status Code         11         11         71         78

Definitions:

Metro 2 Status Code 11         0 – 29 days past due date

Metro 2 Status Code 71        30 – 59 days past due date

Metro 2 Status Code 78        60 – 89 days past due date