How to Determine if a Credit Card Account Is Delinquent
A delinquent credit card account is one on which one or more payments have been missed but the credit card company has yet to charge off the debt. Some individuals may be hesitant to call the credit card company to inquire about the status of the account lest their phone number be recorded. This can result in frustrating telephone calls from the creditor regarding the debt. There are ways, however, to discover whether your credit card debt is delinquent without ever contacting the credit card company.
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Instructions
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Check your most recent bank statement to see if any funds have been allocated to your credit card company over the previous month.
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Visit your bank and ask for a copy of your account transactions for the past 60 to 90 days. This will give you more information than a recent bank statement. Review your transaction record for evidence of a credit card payment. Occasionally, a timely payment may not appear on your most recent bank statement if the payment was made at the end of the month and did not clear until the beginning of the following month.
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Sort through any recent unopened mail for correspondence from your credit card company. If your payment is late, your credit card company may have sent you a reminder to pay.
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Check your email for a payment reminder from your creditor. Most credit card companies include an email address in their applications in order to contact you quickly if they cannot contact you via telephone. If you have not received a written reminder to pay, there may be an electronic one.
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Pull your credit report. If your account is delinquent, that fact will be reflected by one or more late payment notations reporting within your credit file for the account.
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Tips & Warnings
When checking for email from your credit card company, do not forget to check your spam folder. Some email providers will automatically categorize email from unrecognized senders as spam.
If your credit card account is delinquent, consider setting up an automatic draft from your checking account every month so that you no longer forget to pay.
Late payments account for 35 percent of your credit score and will result in your score dropping.
