Will it be considered a late payment?

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paparoach429
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Will it be considered a late payment?

Postby paparoach429 » Sun Nov 11, 2012 11:40 pm

So my Express payment was due today apparently before 6:00pm ET, and I payed it at 6:21 CT. I payed it in store and the lady at the counter told me that it would not be late. I came home and checked my account online and it said it had to be payed before 6:00pm ET. Will it be considered late, and if it is should I call Express and tell them the lady in the store told me as long as it went in before they close it was fine?


Ratfacedudeguy
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Postby Ratfacedudeguy » Mon Nov 12, 2012 5:50 pm

I'd be hesitant to put full faith in what any sales associate says about their credit reporting practices -- because let's face it. Those regular employees aren't trained on credit reporting or anything like that. It will be a good argument though if you call in and the credit department confirms that it is indeed considered late. Honestly though, the degree to which the payment is considered late varies from bank to bank. My CU that I work for won't charge late fees until you're 15 days past due and we won't report the account as late until 30 days past due. But I know most other banks will charge a late fee if the payment is a minute past the cutoff time and will report you just as quickly. What bank issues Express' cards?
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paparoach429
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Postby paparoach429 » Mon Nov 12, 2012 11:35 pm

Comenity I believe. I called the number on the back of the card today and spoke to a respesentative who said I did not recieve a late charge because I payed the balance in full. If you pay it in full they wont charge a late charge but if you just pay the minimum they wouldve.. Thats strange..


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Postby Money card » Fri Jan 25, 2013 9:27 pm

it's strange because you went to your local store in your area and you spoke to an employee , she told you that you can pay your bill and you wouldn't be peanilized it shouldn't matter whether you paid in full or the minimum, what matters is what the person said in the store.
the East coast doesn't own the world. what matters is what you were told by the employee and you didn't pay your bill online.

jrv
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Postby jrv » Fri Jan 25, 2013 10:07 pm

paparoach429 wrote:So my Express payment was due today apparently before 6:00pm ET, and I payed it at 6:21 CT. I payed it in store and the lady at the counter told me that it would not be late. I came home and checked my account online and it said it had to be payed before 6:00pm ET. Will it be considered late, and if it is should I call Express and tell them the lady in the store told me as long as it went in before they close it was fine?


My experience with AMEX has been if you pay before the statement closing date, it will not be considered late. I would also point out that the last time I followed that principle was back in 2007 when I was laid off from my former employer & needed the extra time to pay my bill.
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Postby tigerowl06 » Fri Mar 01, 2013 2:18 am

jrv wrote:My experience with AMEX has been if you pay before the statement closing date, it will not be considered late. I would also point out that the last time I followed that principle was back in 2007 when I was laid off from my former employer & needed the extra time to pay my bill.


I think paparoach was talking about Express the clothing store.
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