Billers — Full Directory

Quick summary Detail Value Grace period ~7–10 day retry window Late fee $0 (no late fee) Service suspension After failed retries Account closure After extended inactivity Reconnection fee None — pay current month to restore Credit reporting No Source verified May 2026 How Hulu billing works Hulu is a prepaid monthly streaming service charged in advance to your registered payment method. Hulu is now operated by Disney and shares an account system with Disney+ for many subscribers. ...

Quick summary Detail Value Grace period Auto-pay retried for several days Late fee — Pay in 4 $0 (no late fee) Late fee — Financing Varies by loan terms Service suspension New purchases blocked after missed payment Credit reporting Varies — Klarna may report to bureaus Collections After extended non-payment Source verified May 2026 How Klarna works Klarna is a buy now pay later (BNPL) lender offering several different plan types: ...

Quick summary Detail Value Grace period Auto-pay retried for several days Late fee $0 (no late fee) Service suspension Immediately at end of paid period Account closure After extended inactivity Reconnection fee None — pay current month to restore Credit reporting No Source verified May 2026 How Max billing works Max (the streaming service operated by Warner Bros. Discovery, formerly HBO Max) is a prepaid monthly or annual streaming subscription. ...

Quick summary Detail Value Grace period ~30 days after due date Late fee $8.50 Service restriction ~30 days past due Full disconnection ~30–45 days past due Reconnection fee Up to $25 Credit reporting Via collections Collections ~90 days after disconnect Source verified May 2026 Late fee Mediacom charges an $8.50 late fee on past-due residential balances. The fee is applied approximately 30 days after the bill due date. The fee may apply in each billing cycle the balance remains unpaid. ...

Quick summary Detail Value Grace period None — prepaid model Late fee $0 (no late fee — service expires) Service expiry Immediately at end of paid term Account termination After ~60–90 days of inactivity Reconnection fee None — pay for new plan to restore Credit reporting No — unless sent to collections (rare) Source verified May 2026 How Mint Mobile billing works Mint Mobile is a prepaid carrier (a Verizon-owned brand operating on T-Mobile’s network). You pay upfront for 3, 6, or 12 months of service in a single transaction. There is no monthly bill, no postpaid balance, and no late fee. ...

Quick summary Detail Value Grace period (interest) ~25 days after statement (credit cards) Late fee Up to $40 Penalty APR Up to 29.99% (varies by account) Credit reporting 30+ days past due reported to bureaus Account restriction Charge cards: immediate; credit cards: 30–60 days Account closure / charge-off ~180 days past due Source verified May 2026 American Express has two product types This is critical: Amex offers two different products that behave very differently for non-payment. ...

Quick summary Detail Value Grace period (interest) ~25 days after statement (purchases only) Late fee Up to $40 Penalty APR Up to 29.99% (varies by account) Credit reporting 30+ days past due reported to bureaus Account restriction Within 30–60 days past due Account closure / charge-off ~180 days past due Source verified May 2026 How Bank of America credit card billing works Bank of America issues a wide range of consumer credit cards (Cash Rewards, Travel Rewards, Premium Rewards, BankAmericard, Customized Cash, and various co-brand cards). All BoA consumer credit cards follow the same general non-payment rules. ...

Quick summary Detail Value Grace period (interest) ~25 days after statement (purchases only) Late fee Up to $40 Penalty APR Capital One generally does not apply a penalty APR Credit reporting 30+ days past due reported to bureaus Account restriction Within 30–60 days past due Account closure / charge-off ~180 days past due Source verified May 2026 How Capital One credit card billing works Capital One issues a wide range of consumer credit cards including Venture, Quicksilver, Savor, Platinum, Spark Business, and various co-brand cards. All Capital One consumer credit cards follow similar non-payment rules. ...

Quick summary Detail Value Grace period (interest) ~21 days after statement (purchases only) Late fee Up to $40 Penalty APR Up to 29.99% (varies by account) Credit reporting 30+ days past due reported to bureaus Account restriction Within 30–60 days past due Account closure / charge-off ~180 days past due Source verified May 2026 How Chase credit card billing works Chase issues a wide range of credit cards (Chase Freedom, Chase Sapphire, Chase Slate, co-brand cards like Amazon Prime Visa, Southwest, United, etc.). All Chase consumer credit cards follow the same general non-payment rules. ...

Quick summary Detail Value Grace period (interest) ~21–25 days after statement (purchases only) Late fee Up to $41 Penalty APR Up to 29.99% (varies by account) Credit reporting 30+ days past due reported to bureaus Account restriction Within 30–60 days past due Account closure / charge-off ~180 days past due Source verified May 2026 How Citi credit card billing works Citi (Citibank) issues a wide range of consumer credit cards including Citi Double Cash, Citi Custom Cash, Citi Premier, Citi Rewards+, and many co-brand cards (Costco Anywhere Visa, American Airlines AAdvantage, Best Buy, etc.). All Citi consumer credit cards follow the same general non-payment rules. ...

Quick summary Detail Value Grace period (interest) ~25 days after statement (purchases only) Late fee — first miss $0 (first late fee waived) Late fee — subsequent Up to $41 Penalty APR Discover generally does not apply a penalty APR for one missed payment Credit reporting 30+ days past due reported to bureaus Account closure / charge-off ~180 days past due Source verified May 2026 How Discover Card billing works Discover issues consumer credit cards including Discover it Cash Back, Discover it Miles, Discover it Chrome, and various secured and student card products. Discover is unusual in that it issues, processes, and services its own cards (most issuers use Visa or Mastercard networks). ...

Quick summary Detail Value Grace period Typically 10–30 days after due date Late fee 1.5%–5% of past-due balance (varies by state) Disconnection notice Written, typically 10–14 days before disconnection Disconnection After full notice period, with state PUC oversight Reconnection fee $10–$75 (varies by utility) Credit reporting Typically via collections only Source verified May 2026 Why electric utilities are regulated differently Electric utilities are not like other recurring bills. Most are state-regulated monopolies subject to oversight by a state Public Utilities Commission (PUC) or equivalent. Disconnection rules are set by state regulators, not by the utility alone. ...

Quick summary Detail Value Grace period after school 6 months for most Direct Loans Delinquency starts Day 1 after a missed due date Credit reporting At 90 days delinquent Default — Direct Loans / FFEL 270 days past due Default — Perkins / institutional After ~270 days, varies Consequences of default Wage garnishment, tax refund offset, Social Security offset, loss of forbearance options Source verified May 2026 Federal student loans are different from other debts Federal student loans (Direct Loans, FFEL, Perkins) are different from most other forms of consumer debt in several ways: ...

Quick summary Detail Value Grace period (typical) 30–60 days before first collection action Collections referral Typically 90–180 days past due Credit reporting (post-2023 rules) Paid medical debt not reported; unpaid under $500 not reported; unpaid $500+ reported only after 365 days Source verified May 2026 Medical bills are different from other debts Medical bills in the US have special protections that don’t apply to most other debts: No Surprises Act (federal): Protects against many forms of surprise out-of-network billing State medical debt protections: Vary widely; some states cap interest, regulate collection practices, or prohibit certain reporting Credit bureau medical debt rules (Equifax, Experian, TransUnion): Per major credit bureau policy changes: Paid medical collections are not reported Unpaid medical collections under $500 are not reported Unpaid medical collections of $500 or more are only reported after the debt has been delinquent for at least one year (vs. ~6 months for other consumer debt) Source: Consumer Financial Protection Bureau (CFPB) medical debt guidance — consumerfinance.gov/about-us/blog/medical-bills-on-your-credit-report; No Surprises Act — cms.gov/nosurprises ...

Quick summary Detail Value Grace period Typically 10–30 days after due date Late fee 1.5%–5% of past-due balance (varies by state) Disconnection notice Written, typically 10–14 days before disconnection Disconnection After full notice period, with state PUC oversight Reconnection fee $25–$100 (varies by utility, plus possible technician visit) Credit reporting Typically via collections only Source verified May 2026 Why natural gas utilities are regulated differently Like electric utilities, natural gas utilities are state-regulated. The state Public Utilities Commission (PUC) sets the rules for disconnection, notices, and customer protections. ...

Quick summary Detail Value Grace period Typically 30–60 days after due date Late fee 1.5%–10% of past-due balance (varies by utility) Disconnection notice Written, typically 10–14 days before shutoff Disconnection After full notice period Reconnection fee $25–$150 (varies by utility) Credit reporting Typically via collections only Source verified May 2026 Why water utilities are different Water utilities are typically municipal or regional public utilities, not investor-owned monopolies like most electric and gas providers. This means: ...

Quick summary Detail Value Grace period None — service ends at end of paid month Late fee $0 (no late fee) Service suspension Immediately at end of paid period Account closure After ~10 months of inactivity Reconnection fee None — pay current month to restore Credit reporting No Source verified May 2026 How Netflix billing works Netflix is a prepaid monthly streaming service charged in advance to your registered payment method. There is no bill in the postpaid sense — Netflix either successfully charges your card for the next month, or it does not. ...

Quick summary Detail Value Grace period ~28 days after due date Late fee $9.95 Service restriction ~30–35 days past due Full disconnection ~35–45 days past due Reconnection fee Up to $30 Credit reporting Via collections Collections ~90 days after disconnect Source verified May 2026 Late fee Optimum (operated by Altice USA) charges a $9.95 late fee on past-due residential balances. The fee is applied approximately 28 days after the bill due date. ...

Quick summary Detail Value Grace period Auto-pay retried for several days Late fee $0 (no late fee) Service suspension Immediately at end of paid period Account closure After extended inactivity Reconnection fee None — pay current month to restore Credit reporting No Source verified May 2026 How Paramount+ billing works Paramount+ (operated by Paramount Global, formerly ViacomCBS) is a prepaid monthly or annual streaming subscription. Monthly or annual auto-charge to your registered payment method No contracts; cancel any time through account settings Bundle subscriptions (e.g., with Walmart+, with Showtime) follow the bundle partner’s billing rules Source: Paramount+ Terms of Use — paramountplus.com/terms-of-use ...

Quick summary Detail Value Grace period Auto-pay retried for several days Late fee — Pay in 4 $0 (no late fee) Late fee — Monthly installments Varies by loan terms Service suspension New Pay Later loans blocked until current Credit reporting May report to bureaus (varies by product) Collections After extended non-payment Source verified May 2026 How PayPal Pay Later works PayPal Pay Later is a set of buy now pay later (BNPL) products offered by PayPal: ...