They might not report it as it wasn't over 30 days late, and they are more than happy to collect the fee.

I've made 1 or 2 credit card payments a couple days late in my lifetime, and I didn't take a credit hit. Generally a few days isn't going to be cause for reporting to the credit agencies, though you will probably get an automatic late fee that they might or might not waive.

I'm good about my bills, but once I tried to pay it and the site crashed and I forgot that I didn't actually pay it until I got a late notice. Another time I had just moved and completely forgot about it. No hit to credit.

Anonymous wrote:I would call and tell them you would like them to waive the late fee etc because you have been an excellent customer, never late, etc. They will probably waive it for you. Threaten to leave, etc.

I would try to get it waived because a late payment will definitely have an impact on your score.

I did this, without even threatening to leave, and they waived it. Just make your case that you have never been late before and hopefully they will have pity for you.

Anonymous wrote:

Anonymous wrote:One late cc payment knocked my wife's score from 820 to 710. But that wasn't her fault as the cc company had added her as a responsible party to her mother's account without telling her.

How does that happen? My mother was suddenly added to a store account I have. I am over 50 and don't need my mother on an account I've had for 20 years. I called them and had it fixed but they couldn't tell me why she had been added. My mother doesn't shop at this store so I'm sure she didn't request it. And even if she had why would a CC company just add a user and send a new card without telling the account holder?

It was a store account. MIL has dementia. Wife was trying to handle her affairs and has POA. Rather than respect the POA and tell her the payoff, the issuer just added her as a responsible party. Wife paid off the card but apparently there was residual interest. But she didn't see (nor was she looking for) a bill, which came addressed to her mother, so the $5 or whatever didn't get paid, and they reported it and my wife's credit took a big hit for the only derogatory item on her credit in her entire credit history. Seriously, more than 100 points. Fun times trying to unwind that one. I threatened to sue them for libel. Might still do it.

This happened to me a while back and I didn't see a change on my credit, but it varies by credit card.

Set up alerts and auto-pay if possible.

Anonymous wrote:One late cc payment knocked my wife's score from 820 to 710. But that wasn't her fault as the cc company had added her as a responsible party to her mother's account without telling her.

How does that happen? My mother was suddenly added to a store account I have. I am over 50 and don't need my mother on an account I've had for 20 years. I called them and had it fixed but they couldn't tell me why she had been added. My mother doesn't shop at this store so I'm sure she didn't request it. And even if she had why would a CC company just add a user and send a new card without telling the account holder?

One late cc payment knocked my wife's score from 820 to 710. But that wasn't her fault as the cc company had added her as a responsible party to her mother's account without telling her.

I don't think they will report you. And its easy to get the fee interest / waived, so even though you aren't worried about it might as well get that back.

I just learned SunTrust is charging my elderly FIL 30% b/c he was late one time. That seems predatory to me.

Anonymous wrote:Most companies do not report to the bureaus unless it's over 30 days late. Not to say you should be late all the time but one day will not ding you.

I will call them. The payment was two weeks late. I'm not worried about the penalty fee, I'm concerned about the reporting consequences.

Most companies do not report to the bureaus unless it's over 30 days late. Not to say you should be late all the time but one day will not ding you.

I would call and tell them you would like them to waive the late fee etc because you have been an excellent customer, never late, etc. They will probably waive it for you. Threaten to leave, etc.

I would try to get it waived because a late payment will definitely have an impact on your score.

I have never been late on a payment. Unfortunately, I accidently missed a credit card payment. Is this going to affect my credit score significantly? How long does it take to undue the damage?