Quick summary Detail Value Grace period ~10–17 days after due date Late fee $9.25 or 1.5% of past-due balance (whichever is greater) Service restriction ~25–30 days past due Full suspension ~30–45 days Account termination ~60 days Reconnection fee $35–$45 per line Credit reporting Yes — 30+ days past due Source verified May 2026 Late fee details AT&T applies a late fee if payment is not received within the grace period: ...
Quick summary Detail Value Grace period ~25 days after due date Late fee $10 (varies by state) Service restriction ~30 days past due Full disconnection ~30–45 days past due Reconnection fee Up to $20 Credit reporting Via collections Collections ~90 days after disconnect Source verified May 2026 Late fee CenturyLink (now operating residential service under the Quantum Fiber brand in fiber markets) charges a $10 late fee on past-due balances. The exact amount can vary by state, in line with state utility-style rules for telecommunications. ...
Quick summary Detail Value Grace period ~30 days after due date Late fee $8.95 Service restriction ~30 days past due Full disconnection ~30–45 days past due Reconnection fee $20–$40 depending on service Credit reporting Via collections (not direct) Collections ~90 days after disconnect Source verified May 2026 Late fee Cox Communications charges an $8.95 late fee on residential past-due balances. The fee is applied approximately 30 days after the bill due date. ...
Quick summary Detail Value Grace period ~14 days after due date Late fee $8 Service restriction ~21 days past due Full disconnection ~30 days past due Reconnection fee Up to $35 Early termination fee Up to $20/month remaining on contract Credit reporting Yes — DirecTV may report directly Collections ~60–90 days after disconnect Source verified May 2026 Late fee DirecTV charges an $8 late fee on past-due residential balances. The fee is applied approximately 14 days after the bill due date. ...
Quick summary Detail Value Grace period ~14 days after due date Late fee $7–$10 Service restriction ~21–30 days past due Full disconnection ~30 days past due Reconnection fee Up to $30 Early termination fee $20/month remaining on contract Credit reporting Via collections (and sometimes direct) Collections ~60–90 days after disconnect Source verified May 2026 Late fee DISH Network charges a late fee of approximately $7–$10 on past-due residential balances. The fee is applied approximately 14 days after the bill due date. ...
Quick summary Detail Value Grace period ~30 days after due date Late fee $10 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 EarthLink charges a $10 late fee on past-due residential balances. The fee is applied approximately 30 days after the bill due date. EarthLink resells fiber and DSL service through partnerships with various last-mile providers, but billing and collections are handled directly by EarthLink. ...
Quick summary Detail Value Grace period ~20 days after due date Late fee $9.99 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 Frontier Communications charges a $9.99 late fee on past-due residential balances. The fee is applied approximately 20 days after the bill due date. If the balance remains unpaid, the late fee can apply in subsequent billing cycles. ...
Quick summary Detail Value Grace period Auto-pay retried over several days Late fee Varies; no published flat fee Service suspension ~30 days past due Account termination ~60–90 days Reconnection fee None published; pay past-due balance Credit reporting Yes — 30+ days past due may be reported Source verified May 2026 How Google Fi billing works Google Fi is a postpaid carrier from Google, operating as an MVNO on T-Mobile and US Cellular networks. Google Fi bills automatically through your Google Payments account each month. ...
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 (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 ~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 ~28 days after due date Late fee $8.95 Service restriction ~30–45 days past due Full disconnection ~45–60 days past due Reconnection fee $4.99 Credit reporting Via collections (not direct) Collections ~90 days after disconnect Source verified May 2026 Late fee Spectrum charges an $8.95 late fee on past-due residential balances. The fee is typically applied around 28 days after the bill due date. The late fee may compound each cycle if the balance remains unpaid. ...
Quick summary Detail Value Grace period ~30 days after bill due date Late fee Varies by plan and state (no published fixed amount) Service suspension ~30 days past due Account termination ~90 days past due Reconnection fee Up to $20 per line Credit reporting Yes — 30+ days past due reported to bureaus Collections ~90–120 days Source verified May 2026 Grace period and late fees T-Mobile’s postpaid service bills are due monthly. Unlike some carriers, T-Mobile does not publish a single flat late fee — instead, late fees are described in their Terms and Conditions as varying by plan and applicable state law. ...
Quick summary Detail Value Grace period ~10–15 days after due date Late fee $5–$10 per billing cycle Service restriction ~30 days past due Full suspension ~30–45 days Account termination ~60–90 days Reconnection fee Up to $25 per line Credit reporting Yes — 30+ days past due reported Source verified May 2026 Grace period and late fees US Cellular’s postpaid bills are due monthly. After the due date, US Cellular allows a short grace period before applying a late fee. ...
Quick summary Detail Value Grace period ~10 days after bill due date Late fee $5 or 1.5% of past-due balance (whichever is greater) Soft suspension (outgoing restricted) ~30 days past due Full suspension ~45–60 days past due Account termination ~90 days past due Reconnection fee Up to $35 per line Credit reporting Yes — 30+ days past due reported to major bureaus Collections ~90–120 days Source verified May 2026 Grace period and late fees Verizon’s monthly bills are due on a set date each month. If you miss the due date: ...