On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015. 
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed. 
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date. 
