I have late fees on account that transitioned from Synchrony Bank to Capital One. When I was with Synchrony I never I had a late fee. Somehow during the process of the companies switching, my payments got lost and I ended up late twice! This was several months ago. Right now both balances are $0. My appointment is 10/24. Will this stop me from being qualified? Also should I close the accounts?? The cards are Neimann Marcus and Walmart. I have no plans on using these cards in the future due to the interest rate. The only open card I’ll have left is Navy Federal. Never late and the balances is less than 20% percent of the available credit.