Does late payment affect credit score?
Hi,
I setup Autopay last month, after the statement closing date, for my Citi AA credit card. The payment due date was more than three weeks away. But apparently autopay doesn't apply for statements that have already closed. I did not know that. I was charged $50 for interest, and $39.99 for late payment fee.
When I called the customer service, they asked me to make the payment and call back once it has been posted (my account is in delinquent state now), they can ask the supervisor if the interest charge or the late payment fee can be waived.
Is this gonna affect my credit score?
Thanks.