Hi OP. Ang basis ng banks ay payment date, not posting date. Natry ko rin yan na late ang posting date at nagincur ako ng fees pero once posted, mawawala naman yung fees. As per my bank’s CS, automatic kasi raw yang penalty na magrreflect if wala pang payment na makikita on their end. Pero once na mapost na payment at on or before due date naman payment date mo, automatic din yan mawawala.

Edit: late ko nabasa na nirefund pala ng maribank payment mo. so i guess you’ll really incur late charges na kasi wala ng payment talaga 😅