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Reply to "Courtesy Calls from Wells Fargo aka Shitheads"
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[quote=Anonymous]If you pay after the due date, you are late. The grace period is just the period during which they will not charge you a late fee. I used to work in a small community bank that did mortgages. Whenever someone was late--even during their grace period--they showed up the late mortage reports, plus their accounts were flagged in red on the computer. It won't ding your credit report until you go past 30 days late, but there is a misconception that the due date isn't really until after the grace period date, and that's not true. You are late and the bank considers you as such. [/quote]
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