It's the recommended last day to place your payment in the post to ensure it arrives before your next statement cuts, which is your true "due" date. That’s an important consideration as you construct the letter. Ali Zane says: October 4, 2019 at 7:54 am . Discover, for example, offers every card member forgiveness on their first late payment, a spokeswoman said. Re: American Express Understanding with late payment? Reply. Discover: Offers every card member forgiveness on their first late payment. The more recent the late payment, the larger the impact: As late payments grow older, the negative effects on your scores will diminish. Don’t panic if this happens! Four other big issuers contacted by CreditCards.com – American Express, Bank of America, Chase and U.S. Bank – declined to share specific guidelines around their late fee waivers. To ease the financial hardship and difficulties many Americans are already facing, American Express is waiving interest and late payment … American Express. It also directs cardholders with reservations through Amex Travel to a separate COVID-19 information hub for airline-specific details. The late Stephen Covey famously advised to “begin with the end in mind,” and in this case the “end” is earning an act of forgiveness from a creditor. The issuer may be able to lower your monthly payment and provide relief from late payment fees, among other relief measures. For example if a payment is due on the 1st, then on the 30th it will be considered 30 days late. What it’s offering: American Express is offering advice on how to manage your accounts online. If you’re more than three payments late, the odds are good that you’ll be hearing from an outside collection agency. Hi Andrew, a payment is 30 days late on the 30th day of the payment not being received. They can reach our Customer Care Professionals anytime by calling the number on the back of their card or through our digital servicing channels – online chat or the Amex app. Yes, American Express is ready to assist our customers having financial difficulties due to the effects of COVID-19. American Express. The more severe the delinquency, the larger the impact: A payment that’s 60 days late is worse for your credit than one that’s 30 days late, and 90 days late … With AmEx Charge cards, the "please pay by" isn't the due date. Cardholders who are having difficulties can get assistance through American Express’s financial hardship program. It’s quite common for American Express to assign their accounts to third-party collection agencies well before the point of charge-off at 180 days late, often as early as 90 days late. Maximum credit card late fees can range from $28 to $39, and the average maximum late fee is about $36, according to U.S. News research .