I was 3 hours late making my final credit card payment, can I get the "charge off" reversed?

Answers:0   |   LastUpdateAt:2012-10-01 05:37:02  

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ko
Asked at 2012-10-01 05:37:02
Recently I decided to pay the remaining debt on the credit card . However, I called too late in the day and my charge account . I paid the card that night anyway . I was told that the credit card company that did not matter, they are forced to report this as "charged off the paid in full . " I wonder if I have the right to obtain credit card to reverse this (especially considering that operator told her she had the morning until 10 pm for payment and was told that I was really only until 17:00 when I called back at 8pm . ) ? MedlinePlus MedlinePlus My debt outstanding was origially 20K but I had brought up 5k over 3 years of making payments every month. This was very difficult (I worked two full time jobs to do this) . I had decided to return to school and missed some payments after I left my job and waiting for school to start and my money scholarhship to succeed. After missing payments , said my credit card company had until the end of the month to make a payment or charge off the account . He then obtained a loan from a family member for the remaining balance . MedlinePlus MedlinePlus On the morning of day 31 I called and said I had until 10 pm to make the payment . Based on this information , I decided to call back when it was more convenient for me after my classes ended at 17:00 PST. MedlinePlus MedlinePlus I feel cheated now that was worth 20k voucher of debt , only to have my credit ruined because I was 3 hours late in taking my last payment . Not only that , I could have made the payment in the morning , but decided to wait until it was more convenient because of something your operator told me .
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