Late on my credit card

stir_fryiMarch 27, 2009

I just realized my JC Penny was due four days ago (a whopping 32 dollar balance). I am going in to pay it today with the $15 late fee (that will teach me).

They don't actually report it on your credit report unless you a whole billing cycle late -- correct?

Thank you for reporting this comment. Undo

Ask JC Penney what their policy is.

    Bookmark   March 27, 2009 at 4:55PM
Thank you for reporting this comment. Undo

They will only report it if it is 30 days or more late.

    Bookmark   March 27, 2009 at 11:08PM
Thank you for reporting this comment. Undo

If this is the first time you are late ask them to wave the late charge.

I missed a payment on my Discover Card for the first time last year. I had the card since 1995. They called me and I paid it over the phone, somehow I had missed the bill. When I asked they not only waved the late fee they waved the interest charges, too.

    Bookmark   March 28, 2009 at 12:35AM
Thank you for reporting this comment. Undo
Chemocurl zn5b/6a Indiana

Discover Card has the greatest customer service besides being able to make free pay by phone payments.

They have waived interest too on me, when I accidentally did not get the call in soon enough to pay off the monthly balance. I have the minimum payment taken out of my checking account automatically to be assured there will never be a late payment, thus a late fee charge.

    Bookmark   March 28, 2009 at 12:55AM
Thank you for reporting this comment. Undo

I figured out why I was late. My card was ALWAYS due on the last day of the month. I opened it yesterday and it due 3/24/09.

So I called and JCP told me they changed my billing cycle and notified me last September (like I'd remember).

So, I asked if they could please remove the late charge and she said no problem.

So, that made me happy.

    Bookmark   March 28, 2009 at 9:17AM
Sign Up to comment
More Discussions
How would I sell fur coats?
Let me say, first, please donÂt bash me for having...
Here's a question for those who pay with cash
It happens occasionally, I'll be in a checkout line...
Refinance with Bank of America taking F-O-R-E-V-E-R
We started the process for our refinance April 25th...
anyone had trouble getting an Amex card accepted?
I have an Amex card with a very good cashback program,...
davidrt28 (zone 7)
Programmable Thermostat proof
Does anyone have hard copy proof of the savings that...
People viewed this after searching for:
© 2015 Houzz Inc. Houzz® The new way to design your home™