I took a small loan from my prepaid credit card provider. I forgot that I have to have enough funds on the card by today so the loan money can get deducted automatically. Unfortunately for me this provider always reclaim their money back as soon as it's past 12am, so I woke up to find the balance on my card a negative number. I have loaded the card hours later. Am I liable for a late payment penalty?
Here is the agreement I received by email when I applied for the loan.