Got denied for a card because I paid a medical bill 2 days late

I had a $300 urgent care bill from a visit in March and forgot to pay it until April 3rd. Paid it right then, but the late payment showed up on my credit report anyway. Applied for a travel rewards card last week at my local Chase branch in Austin and got flat out rejected because of that one 2 day late payment. Has anyone else had a single late payment wreck their score way more than it should?

3 comments

3 Comments

robin89620h ago

Hold up, you're telling me a 2 day late payment on a $300 bill actually showed up on your credit report? That's wild, I thought those things only got reported after 30 days usually. I've heard of creditors being strict but that's just crazy overboard for something you paid off almost immediately.

craig.olivia18h ago

Right there with you, @carr.luna has a point about how brutal the system can be for tiny mistakes.

carr.luna19h ago

Yeah it's just another way everything's rigged against regular people these days. One tiny slip and the system punishes you like you're a deadbeat, but the companies can change their rules whenever they feel like it.