NTB Tire Kingdom unscrupulous ethics, no grace period given for payment, Florida

"How can your company throw on a late payment and reduce my husband’s credit over a payment that is 4 days past the due date?"

Because it’s 4 days past the due date. You wrote, "He… has always paid after the due date…" This may not be just about the 4 days; it may be about always paying after the due date.

A customer’s late payments are not the fault of the finance company. There is nothing unethical or unscrupulous about charging a late payment penalty. Does the written financial agreement offer compassion or a grace period?

Veteran status does not exempt customers from late payment penalties.

In your entire narrative you failed to realize one major point. Nothing you posted shows why the Pandemic or any of the other cards you played(Senior Card, Disabled Card, Veteran Card) is the reason you were late.

The Pandemic seems to be the new catch-all excuse for people who think they are entitled to be treated differently. Don't get me wrong, if you were actually affected by the Pandemic then having a company assist would be great and you would have a lot of support. But your situation did NOT change, nor was it affected by the Pandemic. You are on a Fixed Income that didn't change, you admit that you pay late every month. Anytime you pay after the due date, you are late. The fact that they didn't charge a late fee doesn't change that fact.

Did their "grace period" policy change. Possibly, but if it did FEDERAL notification requirements require you to be notified a minimum of 45 days before the change. This would have been well before the current situation. Bad Timing..Yes. Due to the Pandemic..Unlikely.

Perhaps they will eventually waive the late fee this time. But if this is a new policy don't expect them to keep doing this. But what doesn't make sense is your claim that you pay more than is required. If that is the case then this does just seem to be a case where you feel that you can pay what you want, when you want and they just have to accept it. As it appears that if you adjusted your payment you could actually pay the minimum required on or before the due date and not be late. Example instead of paying $200 on the 1st, if you only are required to pay $100, then pay the $100 on the first, SAVE the other $100 and pay it in the next billing cycle before the due date.

In a global pandemic, when tough choices have to be made, your company will not be the top choice when it comes between deciding to pay for tires or food or rent.
- But this is NOT your situation.

Another credit check? You have his payment records and history right in front of you and then you have to pull his credit again?
- Yes and the payment history they have right in front of them is a history of him paying late.

Instead he decided to close his account permanently because he won’t deal with a company that treats customers, especially veterans, with disregard and lack of compassion for the situation we are ALL in currently.
- Makes sense. Of course if you were so worried about the credit check, that would have affected your score by a few points in the very short term. By closing out a line of credit you have lost any positive history with that account. This is likely going to affect your credit in a significantly greater negative way than any single inquiry would have done.

By the way closing the account out does not remove your responsiblity to continue to pay off the card, and it will be at the same terms of the account you have now.  So if you continue to pay late, you likely can continue to expect late fees.

Good Luck