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1st Goof up-5 years Post BK :( - Question regarding capital one

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    1st Goof up-5 years Post BK :( - Question regarding capital one

    I had my first goof up! Forgot to pay cap 1 credit card. It was due on Nov. 8 and I paid it today online--will go through tomorrow.

    Does anyone know if that will go on my credit report as a late payment or does it have to be over 30 days to be reported as late?

    Thanks!
    Chapter 7 Pro Se....Discharged Feb. 2006

    #2
    Don't fret none. It won't show up as late. 30 is the mark to watch for. Good going for still paying it early enough.
    Filed August 20 341 on September 23 Report of No Distribution - September 24 Case Discharged and Closed on November 23!!!

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      #3
      You will get a late fee but it will not show up on your credit reports as it has to be over 30 days late.
      _________________________________________
      Filed 5 Year Chapter 13: April 2002
      Early Buy-Out: April 2006
      Discharge: August 2006

      "A credit card is a snake in your pocket"

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        #4
        Hi CindyLou. Welcome back. Your knowledge and wisdom is missed.
        "To go bravely forward is to invite a miracle."

        "Worry is the darkroom where negatives are formed."

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          #5
          Call and ask if they can waive the late fee. If this is your first offense you have a chance. The worst thing they can do is say no.

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            #6
            This happened to my husband one time. Call them and tell them that the payment was made and if they can waive the fee. Since it's the first time they will most likely do it for you.

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