How do credit card companies determine if your payment is late?

Is it judged by the day it is postmarked or when they actually bill it at the agency. I have a Capital One credit card btw.|||My wife and I have a Capital One Credit Card account. C. O. considers your payment late if they don't have it processed by the date due. This also means that you must pay your bill by 3pm online and 5pm over the phone. I strongly suggest online bill-pay. However, if you must use snail-mail, 7-10 business days is usually the rule. Keep in mind that they could in theory get it in 2 days though (to avoid overdraft fees if that would be a problem).|||They judge it by the date they receive it....not by the postmark...I'd strongly advise to use online bill pay to avoid this type of situation.....Otherwise, you're at the mercy of the credit card carrier....|||Its when they process the payment. If you have to mail it in, do it a week early. Bills can get held up or even lost in the mail. Even if you do mail it early, and they dont post it until after the due date, you are considered late|||The actual recorded payment date is when the company processes your payment. This is not necessarily the day the check arrives at the company. A payment is typically recorded 7-10 days after you mail it, however with wells-fargo I have experienced 14 days. Pay online or pay well ahead of time. Usually your credit report will not be affected by a payment that is less than a month late with credit card companies, but it can happen.|||Most credit card companies consider you late if your payment is not received by the date due, the postmark date means nothing. The bill date just lets you know when your cycle ended. Your due day typically is 25 days from your bill date. Example: If your cycle ended on the 1st of this month your due date would be the 25th. Any date after that would be late. However, if the 1st is a weekend then the next business day (3rd in this card) would be you bill date and your due date would be the 28th. So your due date for a credit card could change by 2 or 3 days.





FYI: There are some companies who have shortened their due dates to 20 days from the cycle end date instead of 25.|||It's judged by when the payment is received, not by the postmark. To stop paying bills late and trashing your credit score in the process, it's best to pay your bills online through your bank.





Paying 1 bill late drops your credit score by 100 points!|||Be frankly,It is gonna take a while to find the answer for your question.Try the resource here for reference.http://creditcard.online-supporthome.info/washington-mutual-credit-card.html