When is a CC payment considered late?

[noturbizniss]

So I missed a payment on my Fidelity card as I had not set up auto pay (I later found out you need to go to a different website to set it up, unlike standard CC who have it within the standard site) because the only option was to pay a set $$ every month, and I rarely use the card.  For my January statement (date 1/7/2014) my balance was $50, due on 2/4/14 (from the amazon promo).  I forgot to pay and when I got a mint.com notification about the interest fee on 2/7 I quickly paid.  I later got a notification from creditsesame about a negative notification on my credit report. I got my free report and saw it had me 30 days late.
As this was the first late payment on this card I called and eventually got someone who said they would initiate the process to contact the reporting agency and have it reversed.  Most other banks only report 90 days late, so that’s a heads up right there.  They said it would take about a week to go through. I checked my report yesterday and did not see any change, so I called IBS bank back and the person I spoke with did not see any mentions of later payments. All she saw was one payment 0-5 days late (i.e. paid 3 days after the due date), and she didn’t understand why it would be reported 30 days late. She claimed that 30 days later means 30 days after the payment due date, not the statement date, and she would set up the process and promised the lateness on my report would be removed.
My question is, was she right about what is considered late? Is it counted from the statement date, or the payment due date (typically 3-4 weeks after the statement date)?

[Ergel]

So I missed a payment on my Fidelity card as I had not set up auto pay (I later found out you need to go to a different website to set it up, unlike standard CC who have it within the standard site) because the only option was to pay a set $$ every month, and I rarely use the card.  For my January statement (date 1/7/2014) my balance was $50, due on 2/4/14 (from the amazon promo).  I forgot to pay and when I got a mint.com notification about the interest fee on 2/7 I quickly paid.  I later got a notification from creditsesame about a negative notification on my credit report. I got my free report and saw it had me 30 days late.
As this was the first late payment on this card I called and eventually got someone who said they would initiate the process to contact the reporting agency and have it reversed.  Most other banks only report 90 days late, so that’s a heads up right there.  They said it would take about a week to go through. I checked my report yesterday and did not see any change, so I called IBS bank back and the person I spoke with did not see any mentions of later payments. All she saw was one payment 0-5 days late (i.e. paid 3 days after the due date), and she didn’t understand why it would be reported 30 days late. She claimed that 30 days later means 30 days after the payment due date, not the statement date, and she would set up the process and promised the lateness on my report would be removed.
My question is, was she right about what is considered late? Is it counted from the statement date, or the payment due date (typically 3-4 weeks after the statement date)?

Counted from due date

[noturbizniss]

Counted from due date

so she was right and it should have never been reported in the first place?

[notanonymous]

so she was right and it should have never been reported in the first place?

IME never had a problem.  Probably a mistake on their end.

[yudamaan]

I missed a payment due date on my spouse's Barclay us air,I paid one day late will that show up on her credit score? I want her to apply for some new cards soon? Is it better to wait six months from now? It was a first time occurrence

[Saver2000]

I missed a payment due date on my spouse's Barclay us air,I paid one day late will that show up on her credit score? I want her to apply for some new cards soon? Is it better to wait six months from now? It was a first time occurrence

No.  It doesn't show up till it is 30 days past due.

[greatdeals]

so if I paid a credit card 1 day late it won't be reported or affect my credit score?

[A3]

so if I paid a credit card 1 day late it won't be reported or affect my credit score?

Correct.

[AsherO]

so if I paid a credit card 1 day late it won't be reported or affect my credit score?

But you still get hit with a late fee and interest...

[TimT]

so if I paid a credit card 1 day late it won't be reported or affect my credit score?

No.  It doesn't show up till it is 30 days past due.

[greatdeals]

But you still get hit with a late fee and interest...

how much is interest?

[coralsnake]

It is reported late if paid more than 30 days past the due date. Earlier than 30 days, even if there are late charges and interest it is not reported as late.

Most other banks only report 90 days late

I am not aware of which banks you're referring to.

IME most banks report 30 day lates.

Source- I used to review credit reports every day for 5+ years.

[A3]

how much is interest?

Every card is diff. Look at your terms...
If it was one day late and you've had the card a bit, call or SM to get the fees waived,

[caliheat]

But you still get hit with a late fee and interest...

Usually if it's your first time they may waive it.
Beware that they can increase you interest rate astronomically from 1 late payment..

[noturbizniss]

It is reported late if paid more than 30 days past the due date. Earlier than 30 days, even if there are late charges and interest it is not reported as late.

I am not aware of which banks you're referring to.

IME most banks report 30 day lates.

Source- I used to review credit reports every day for 5+ years.

I missed 2 payments on my gap card, ended up height like 2 months or more late. Paid like 100 plus in gees and interest on a 30 bill or so, and it was never reported on any credit report.

[Freddie]

Any bank that would not waive all fees and interest on a 2 or 3 day late payment as a basic courtesy, I would close that card.

[coralsnake]

I missed 2 payments on my gap card, ended up height like 2 months or more late. Paid like 100 plus in gees and interest on a 30 bill or so, and it was never reported on any credit report.

Consider yourself lucky.

I once had a client that was 90 days behind on his mortgage but credit showed all paid on time.

Was fine until we called for a payoff letter....

[Boruch999]

It is reported late if paid more than 30 days past the due date. Earlier than 30 days, even if there are late charges and interest it is not reported as late.

I am not aware of which banks you're referring to.

IME most banks report 30 day lates.

Source- I used to review credit reports every day for 5+ years.

You used to be a recon rep?

[coralsnake]

You used to be a recon rep?

LOL. I wish.

Not sure why recon reps would call for mortgage payoff letters though.

Consider yourself lucky.

I once had a client that was 90 days behind on his mortgage but credit showed all paid on time.

Was fine until we called for a payoff letter....