Solved! Go to Solution.
I’m confused. Your billing date, and your due date are different days. Usually they are about 3 weeks apart. Your bill is due when generated, and you have a grace period of 21 days or so. If you paid a bill due by the 8 May on May 20, you are 12 days plus your grace period late.
Think of the "due date" as the "overdue date," if you don't pay BEFORE that due date, you're overdue. I make statement dates my due dates, and so I can't possibly ever be overdue. It's just safer.
Telus makes it all very clear.
My billing date is the 16th.
I receive my statement on the 19th, but I auto-pay every month on the 18th.
For this month, Telus states on my bill: Balance: $XXX.XX Late charges apply after Jun 11th
A company can't be clearer than that.
Also remember that some companies use the day they capture your payment as the payment made date, and others use the day you paid it. Telus uses the day they capture the payment. For instance, on my account, though I pay on the 18th, "payment made" dates vary from the 19th to the 22nd depending on whether a weekend or holiday got in the way; those are dead days, even online. On the flip-side, my credit card payments use the date I paid as the payment date, no matter when they capture the payment. And so I say again, it's safer to pay sooner.