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missed a CC payment, am i going to be pooped on?

K

Kev

Lifer
i only missed it online by 2 days, for the first time in 3 years. is my CC rating fooked now? i don't know how the CC ratings work but i generally regard it as being evil and anti-people.
 
Your First Born needs to be mailed to CitiBank. Please use a bubble mailer.
 
nope
they only report to the credit bureaus after 60 days of non payment or something
i had a check get lost in the mail and the same thing happened to me.
except they piled on 30 bucks in fees that i got waived.
its online all the time for me now.
 
how did you get the fee waived? they gave me a 15 dollar fee. would be nice if they took it off since its only 2 days late
 
Originally posted by: Kev
how did you get the fee waived? they gave me a 15 dollar fee. would be nice if they took it off since its only 2 days late
Click to expand...

Once I never got a statement so I called them up and explained it to them and they waived the fees and interest. If you have a clean history, call them up and see if they will cut you some slack.
 
Originally posted by: Jzero
Originally posted by: Kev
how did you get the fee waived? they gave me a 15 dollar fee. would be nice if they took it off since its only 2 days late
Click to expand...

Once I never got a statement so I called them up and explained it to them and they waived the fees and interest. If you have a clean history, call them up and see if they will cut you some slack.
Click to expand...

thats what i did
i just called them and told them my story
the lady was really nice and waived it
i hadnt had a late payment ever. so if youre in the same boat, im sure they can waive it for you.
it was capital one btw
 
Nah, but they are gonna hurt you with interest. You might also get a late fee. If it's your first one you can prolly call them and get it waived.
 
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