I have two credit cards and I mixed the 2 payments, if I'm one day late fixing it, will it count on my credit score?

[jennifer_bloom]

Like let's say card A was supposed to get XYD and card B was supposed to get CDF in payments. If I mix the two debts together and pay each card the wrong amount but correct the problem within 48 hours, will I still have debt for unpaid bills when the next credit cycle comes in? I read on one website that debts are not tabulated until it's been outstanding for 30 days and I read on another website you're penalized even for being 24 hours late. I use TD if that matters.

[WindAtMyBack]

If you did not make the minimum payment on time, I don't think the reason matters.

You fixed it within 48 hours. The real question is whether you made the minimum payment on time. So did you make the minimum payment in time or not. You didn't say.

As for tabulating, I don't know how they do that. But when they tabulate something, it's not the same as when they received the payment. Those are two different things. It's when they receive the payment that counts. When they officially record it is irrelevant.

[jennifer_bloom]

I made the minimum payment on both cards but I paid card A what I should have paid card B and I paid card B what I should have paid card A so one card is not fully paid by the deadline.

[WindAtMyBack]

You re fine then. You don't need to pay it in full time. You only need to pay the minimum in time. So it won't be reported to the credit agencies.

If you don't pay in full, it means you are carrying a balance. That means you will pay interest on it this month AND next month.

[jennifer_bloom]

Okay, cool. Sounds safe. :) thanks.

[WindAtMyBack]

Wow, my typing sucked in that replay.

*You're fine then. You don't need to pay in full on time.

[Static_In_The_Attic]

Unpaid bills are unpaid bills & late bills are late bills & from time to time we all make mistakes & being that you correct the problem you should be ok unless the wrong amount was paid past the due date.

[AnusNdaPainus]

No it shouldn't