Maybe, it depends on the company.
A mortgage company usually has a set date that mortgages are due, i.e. the first of the month. Anytime payment is not received by the first it is considered late. However, most MC's have a grace period of 15 days; if it's not received in this time frame a late charge is assessed. If you mail the check on the 6th and it doesn't get to the company until the 17th you will be charged a late fee. The mortgage company must receive the payment before the grace period expires. So in essence NO they can't charge you if they receive the payment by closing time of the last day of the grace period. They CAN charge you if you make the payment after business hours, because it is not considered received until the next day, there is no one to process your payment if the business is closed.
You'd need to check with the credit card company; they are all different. The grace period is some period of time in which you can pay the balance due without accruing interest charges. However, there's typically NO "grace period" on a payment. If you don't have a payment posted on time, you're almost always going to be charged a late payment fee, and often your card's interest rate will be jacked up to the "penalty rate" of 29%.
a grace period is a period of time just after a deadline that will be forgiven..its like being forgiven,not penalized for being late..for example you need to make a payment on the 15 but will not get penalized for it unless it goes to the 19th ...well you have a 4 day grace period A GRACE PERIOD MEANS A LOT OF THINGS , FOR INSTANCE , " POST-PONEMENT GRANTED " HOPE THIS HELPS YOU
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