Old  January 21st, 2018, 7:07pm     #1
LuckySkunky is offline
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Does one late payment on credit card go on credit report?
I've had a credit card with Capitol one for about 2 years now. I've always paid on time. Last month was the only month I was late and I got a fee. I think I paid about 5 days late.

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  Old  January 21st, 2018, 7:20pm     #2
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It wont hit your credit report unless its more than 30 days late.
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  Old  January 21st, 2018, 8:42pm     #3
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FYI you can always ask to have that late fee waived. They generally will for your first offense.

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  Old  January 21st, 2018, 8:58pm     #4
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Quote:
Originally Posted by Ophelan83 View Post
It wont hit your credit report unless its more than 30 days late.
This

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  Old  January 21st, 2018, 9:46pm     #5
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You may want to check and see if paying late caused the penalty APR to kick in. If so is it permanent or only for a short period of time. This would be a problem if you carry a balance.

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  Old  January 22nd, 2018, 1:20am     #6
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Nope
It won't hit your credit report. Unlike some other banks, Cap 1 won't waive the fee. They are very hard-nosed about that.
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  Old  January 22nd, 2018, 8:22am     #7
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Thanks for the info

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