Sue Patterson, WalletHub Analyst
@sweetsue
The Capital One credit card late fee is up to $40. Capital One considers a payment late when they do not receive the minimum amount due by the due date listed on your monthly statement. Payments less than the minimum due, or that are returned for insufficient funds after the due date, are also considered late. Most Capital One’s business credit cards have a maximum late fee of $39.
Here’s what you need to know about the Capital One credit card late fee:
If you pay late and get charged a fee, there’s no harm in calling Capital One at the number on the back of your card to explain your situation and ask if they’ll waive it. They might help you out.
There are a number of consequences that come with late credit card payments. You will be charged interest on any unpaid balance along with any late payment fees. Plus, you lose your grace period and will accrue interest on new purchases as soon as you make them moving forward. Repeated late payments could lead to your regular APR being revoked and replaced with a higher penalty APR.
According to customer service, Capital One won’t immediately raise your APR for a late payment. But by law, they can impose a penalty APR on both new purchases and existing balances if your payment is delinquent by 60 or more days.

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Compare Cardsminnieperezbox, Member
@minnieperezbox
If your late on your car loan with capital one not 30 days late and you made a payment to your capital one credit card can they hold your credit availability until you make your car payment
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