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
lucy

Ask JC Penney what their policy is.

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

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
Happyladi

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
stir_fryi

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
Just because you pay your bills on time.....
doesn't guarantee you have good credit The "Paying...
myfask
How would I sell fur coats?
Let me say, first, please donÂt bash me for having...
linnea56
Family Banking Concept, anyone heard of it?
I did a search here and did not see any similiar thread....
rjinga
Investing for your Future
I'm wondering if most people today hire financial planners...
cmarlin20
Ontario - Canadian law question
Hi: I am hoping I can find someone on the forum who...
mistopheles52
Sponsored Products
Set of Four Amethyst Dragonfly Napkin Rings - Christmas Decorations
$229.00 | FRONTGATE
Soho Taster 13-piece Set
Overstock.com
Pelham Pendant by Hudson Valley Lighting
$696.00 | Lumens
Barstool Slope Chair in Blue
$184.99 | Dot & Bo
Koncept Gen 3 Equo Warm Light LED Floor Lamp Silver
Euro Style Lighting
Isola Thermostatic Shower System With Rainfall Shower - Modern Hand Shower
Signature Hardware
Lil Mo Whimsy 12 Town Rectangular: 5 ft. x 7 ft. Rug
$299.00 | Bellacor
Franklin Park Bronze 8 1/2" Wide White Glass Pendant Light
$99.99 | Lamps Plus
People viewed this after searching for:
© 2015 Houzz Inc. Houzz® The new way to design your home™