Yeah, I hate calling but I’ll call.

I first encountered this when my student loans came out of deferment. They said, “your first payment is due on X date” so I paid it ~2 weeks before what I thought was a deadline.

Later my account status was “You are past due and consequences, consequences…”.

Called them and learned that “due date” doesn’t mean “due date” but rather “pay just after date”. They waived the penalty with a stern warning that it would be the last time they would forgive this mistake.

At which point I was enraged again that they’d blame me for their terminology that a normal person would misunderstand.

Library books have a due date (return by)

Pregnant women have a due date (expected around)

Loan payments have a due date (pay AFTER)

“due date” is a f’n disaster of a term.

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Yep, you were right on the money @npub1eq94yj8maree90pm53gfr76wdc44su3cwcqmly848xfrv6es6usqg4er58 . Just got off the phone. I have to pay on or after the "due date" (1st of the month) and have a 15-day window. Anything else would be considered an additional principle payment.

Well you also nailed it about the terminology. I’ve always been one to worry (a lot) about late payments. Mine now goes out on the first on auto-pay 😂

Don’t know how they get away with such unclear terminology.

Ya, I'll kick myself if I screw up a payment. I'm switching off the autopay just so I can pocket 1% of my mortgage back in sats via Fold!