Late on car loan?

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 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 do. They just told me to wait 2-4 days and give them a call to see if they received it yet. I had no problem paying today.

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.

From now on I'm making automatic payments.

Late on car loan?

if in doubt send another check!!!

Late on car loan?

send another check right now - just in case. If you have good credit, don't let this post office mistake mess you up.

Late on car loan?

Honestly, company 99% of the time don't report late payments past 30. Record the day and time of your call and who you talked to (if you remember). Most big companies record the calls so if it becomes an issue, there should be proof.