- Platinum Member
- Posts: 72
- Joined: Mon Jul 23, 2012 8:14 pm
- Location: Los Angeles, CA
Back in June I did a little shopping at Macy's and used my Macy's card to get the cardholder special discount.
Since it's not a card I use often, I completely forgot about it. I thought I made a point to NOT sign up for paperless, but I guess somehow I did. So I never got a statement in the mail and the online statement went into the "updates" section in my Gmail - one which I causally check. Anyway, I happened upon a "Your Macy's Statement is Ready" email recently and I thought... huh.. that's weird. I clicked on it and it turned out that I was not 1, but 2 cycles past my due date.
I called up Macy's credit card and talked to them. They were super nice and since it was a first offense, they waives my late fees. And I was happy and went on my day. It didn't occur to me to ask about credit reporting. The payment went through on the 22nd (4 days ago).
Now me and my husband are looking to get a car loan, so I checked my score on my Credit Karma and Credit Sesame app. For the first time ever I was above 800! (802!) That excitement dwindled shortly after I realized that I had a 60+ day late payment that was probably gonna hit. I also checked my score through American Express and Capital One... and neither had said it hit.
So my question is... how long does it take to hit? Or is it possible I'm in the clear? Or should I try to get my car loan ASAP? Or wait to see if it hits and call Macy's and ask them to remove it?
AMEX: Blue Cash Preferred (6% on groceries, 3% gas & dept stores)
Capital One: Venture (2 points per $1, equivalent to 2%)
Chase: Freedom (rotating 5% categories), Disney Rewards (1 point per $1, Disney benefits)
US Bank: Cash+ (5% bookstores / 5% Electronic Stores)