I was late on a credit card payment.
Actually, scrap that, I was early on a credit card payment.
I made a payment thinking it would be going towards my March bill, but I didn't pay attention to the date on my billing cycle. The payment actually got posted onto my February bill, leaving my second March payment short of what I actually owed.
I'm kicking myself so hard right now, you have no idea. I've never done this before. Short of racking up my credit card balance, this is the stupidest thing I've ever done with it.
The only reason I noticed anything was wrong was the fact that my minimum payment jumped. It had been below $100 a month for a little while now, and my balance had been steadily decreasing, so when it jumped to $120 I looked at it with my head tilted to the side thinking wtf?
Then I saw the little note at the bottom:
Your account is one payment past due, which may result in account suspension. Please contact the account management centre at
You want to see my eyes bug out? That did it. I checked my bank records. I checked the credit card's payment history. Sure enough, it was all there, just not where I thought it would be.
I am absolutely livid with myself. This was nothing short of bone headed.
Let this be a lesson for everyone in knowing your payment due dates. Learn from me so you don't have to learn for yourself.