Made payment to wrong credit card, can I prevent a late payment on my credit report?

Factual Questions
1

Card A’s payment is due on the 7th. Card B’s payment is due on the 24th.

I made a payment on Card A on the 7th of the last month, then I messed up and made another payment on Card A on the 24th rather than Card B, so Card B charged me a late payment fee and interest. I found this out today when I was going to make the regular payment on Card A and saw nothing was due.

So yes, it’s my screw-up so I don’t have a problem with paying the fee and interest. I made a payment on Card B today. They applied it to the next payment due, the 24th of this month. Is this going to prevent a late credit report to the credit agencies since I made a payment within 30 days of when the last one was due, or am I still considered delinquent for last month?

2

only if its beyond 30 days late - so long as you make the 24th on time, you should be fine.

If this is the only time this has happened in recent history - you should be able to work it out with the CC company and get the fee returned as well - just call them - they aren’t (always) as evil as we think they are.

3

Your credit report will be fine.

As for the fee, call them. If you never have done so before, they will almost certainly waive it.

4

For the future you should set up an automatic payment of at least the minimum amount.