Question on Nissan late payment - Nissan Forums : Nissan Forum
 
» Auto Insurance
» Featured Product
Wheel & Tire Center


NissanClub.com is the premier Nissan Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Display Modes
  #1 (permalink)  
Old 12-17-2007, 09:44 PM
Mike_2k5's Avatar
Awaking...
 
Join Date: Feb 2005
Location: IL
Posts: 425
Thanks: 1
Thanked 0 Times in 0 Posts
iTrader: 0 reviews
Question on Nissan late payment

Quick question on credit reports...

My car loan is through Nissan, NMAC.

My loan was due on 12/15, a Saturday. I send my check via mail usually 3rd-5th. I noticed today on my bank account Nissan hasn't deducted money yet.

I call NMAC today to confirm and they said they haven't received it and I'm two days past due. They said in the state of IL there are no late fees and they don't report it to the credit bureaus unless it is 30 days past due. They just told me to wait 2-4 days and give them a call to see if they received it yet.

Now, it says on their website about the 30 days past due and the CSR told me the same thing but can they still notify the credit bureaus anyway? I read online that companies can report late payments to credit bureaus even if they are under 30 days late.

My credit is perfect and I'm worried this will go on my record and screw up my other loans interest rates and what not. Especially the mortgage loan I have.

Maybe I'm overreacting but I don't like being late when I owe money. I'll wait till tomorrow morning to see if it posted yet and if it didn't I'll make a online payment then. In essence I'll be three days late. I know they said they don't unless report unless its 30 days but want to be sure if there is anything else I should do.

Anyone ever deal with NMAC in this kind of situation care to chime in?
__________________
Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
  #2 (permalink)  
Old 12-17-2007, 10:12 PM
SIR NUPE A LOT's Avatar
Registered User
 
Join Date: Jun 2004
Location: M.E.M.P.H.I.S/Smyrna, TN
Posts: 1,110
Thanks: 7
Thanked 3 Times in 3 Posts
iTrader: 0 reviews
You should have a grace period if your payment is due on the 15th! Also Electronic Pymnt FTW! I pay NOTHING by snail mail, I don't trust it! Also you may be fine, because of the post mark date of your payment. And you ARE overreacting!
__________________
Reply With Quote Quick reply to this message
  #3 (permalink)  
Old 12-17-2007, 10:25 PM
See ya
 
Join Date: Feb 2001
Location: Columbus
Posts: 0
Thanks: 1
Thanked 42 Times in 22 Posts
iTrader: 3 reviews
CreditBoards.com - Credit Help, Credit Repair Tips, News, Forums


and you can always call in and ask for a courtesy removal of the late annotation. They should remove it if it is your first time.
Reply With Quote Quick reply to this message
  #4 (permalink)  
Old 12-17-2007, 11:00 PM
wild willy's Avatar
04-05 Pedal Insert
 
Join Date: Dec 2001
Location: Sharon, PA
Posts: 14,797
Thanks: 0
Thanked 32 Times in 28 Posts
iTrader: 0 reviews
If you have the money, I'd send another payment out with the next slip from your payment book....With a little note. There should be a grace period,
__________________
*Bumper Plugs
Garage:
* 91 MR2 31K miles 4 Sale
*12 3.5 SR w/Tractor Transmission
*12 Quest SL
Reply With Quote Quick reply to this message
  #5 (permalink)  
Old 12-17-2007, 11:10 PM
ABC ABC is offline
.
 
Join Date: Mar 2001
Posts: 14,455
Thanks: 32
Thanked 34 Times in 15 Posts
iTrader: 1 reviews
Well they said you have up to 30 days. I would void that current check and send another asap.
Reply With Quote Quick reply to this message
  #6 (permalink)  
Old 12-18-2007, 12:35 AM
Jeff 1.0's Avatar
Me > You
 
Join Date: Feb 2005
Location: Omaha
Posts: 43
Thanks: 3
Thanked 3 Times in 3 Posts
iTrader: 0 reviews
One late payment isnt going to break your previous credit history, not by a long shot.

And you do realize this is the busiest time of the year for USPS so the fact its taking longer isnt that suprising.

Paying bills online > *
__________________
'02 Maxima SE 6MT
Reply With Quote Quick reply to this message
  #7 (permalink)  
Old 12-18-2007, 03:46 AM
Altima NEO's Avatar
Registered User
 
Join Date: Mar 2005
Location: Northwest
Posts: 540
Thanks: 5
Thanked 0 Times in 0 Posts
iTrader: 0 reviews
Yeah, thats what I do. If I get lazy and dont send my payment in time, I just do it online, or over the phone. Though Im usually pretty good about paying on time.
__________________
Reply With Quote Quick reply to this message
  #8 (permalink)  
Old 12-18-2007, 04:30 AM
Zilveo's Avatar
its all over...
 
Join Date: Mar 2005
Location: Buffalo, NY
Posts: 579
Thanks: 31
Thanked 5 Times in 4 Posts
iTrader: 0 reviews
Checks are crap. I pay everything online, its really just easier.
__________________
Quote:
Originally Posted by Nismom View Post
I don't drive slow...EVER...even in school zones for blind kids.
Reply With Quote Quick reply to this message
  #9 (permalink)  
Old 12-18-2007, 06:07 AM
QR's Avatar
QR QR is offline
Second to none
 
Join Date: Aug 2007
Location: Rio Dell, Ca
Posts: 1,451
Thanks: 0
Thanked 0 Times in 0 Posts
iTrader: 0 reviews
thats odd that you mentioned this but i just got a phone call the other day saying that i havent sent a payment, even though i did a month ago. but all taken care of now
__________________
Reply With Quote Quick reply to this message
  #10 (permalink)  
Old 12-18-2007, 07:11 AM
Registered User
 
Join Date: Apr 2001
Posts: 127
Thanks: 4
Thanked 6 Times in 2 Posts
iTrader: 0 reviews
I've never had anything reported on my credit that was under 30 days late. You should be fine. Just pay the thing.
Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
Reply

  Nissan Forums : Nissan Forum > Nissanclub.com Entertainment Forums > OFF TOPIC !!!


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Nissan Forums : Nissan Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Powered by vBadvanced CMPS v3.2.2

All times are GMT. The time now is 04:55 AM.


Powered by vBulletin®. Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
Search Engine Friendly URLs by vBSEO 3.3.2
Garage Plus vBulletin Plugins by Drive Thru Online, Inc.