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)?