Will it be considered as a late payment?

The due date on my credit card was 15th September 2011. I paid the bill on 18th September. Will the credit card company regard it as a 30-day late payment? Will it be shown as a negative item on credit report and drop my score? Do they have some grace period?

2 Answers

You are not reported late until your payment is more than 30 days late.

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I don’t think so. The credit card company will not regard it as a 30 day late payment. The chances are very low that 2 days late payment will be shown as a negative item on your credit report. If it doesn’t show on your credit report as a negative item, then your credit score will not be dropped.
 


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