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Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

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忘记PAY帐单了=(

1136

14

2006-09-12 17:07:00

Dont worry.  It happens to everyone.  I paid the bill late, two months in a row, some time early in the year.  Not only was there a late fee, but finance charges. 

I dont think you will get charged for the late fee.  However, if even there was, you have better chance to dispute it.


[此贴子已经被作者于2006-9-12 17:29:17编辑过]

Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

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2006-09-12 17:10:00

以下是引用summernyc在2006-9-12 16:47:00的发言:
可怜的豆豆,偶都被账单高的神经兮兮的了,天天都要查,生怕自己late了~~

If you do get statement in paper form, it's just a matter of keep it organized and remember the due date.  Dont get stressed out. 

Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

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2006-09-12 17:35:00

这么惨啊?

我基本上都是通过USPS交帐单,提前一个礼拜交,然后上网看有没有pay掉。有几回的dispute都很顺利,没费什么事。

Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

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2006-09-13 01:15:00

以下是引用icyscorpio在2006-9-13 0:58:00的发言:
以下是引用heavysnow在2006-9-12 17:07:00的发言:

Dont worry.  It happens to everyone.  I paid the bill late, two months in a row, some time early in the year.  Not only was there a late fee, but finance charges. 

I dont think you will get charged for the late fee.  However, if even there was, you have better chance to dispute it.


如果没有LATE FEE,是不是就不会有晚付帐单的记录了

应该不会。

 

Huaren
等级贵宾大校
威望125
贴子23515
魅力28961
注册时间2005-08-20

heavysnow

查看全部

2006-09-13 11:38:00

今天早上特意看了看在Equifax的信用记录,没有看到那个曾经晚交帐单的信用卡里有这样的信息。只有"Amount Past Due"这一栏,不过这个貌似和late fee没有什么关系。

如果有late fee也没有关系,应该很容易和他们dispute下去的,至少我每次都能和chase dispute。

Can you check the statement online?  If you could and find the late fee charge online, you give them a call right away, so that they reverse the late fee charge in the system. 

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