Wow, I have never heard of a company doing that for being a few days late (I am sure some do).

Do you let them know it might be a few days late. I have had to be late once on my car payment (just a week past the due date) I called and talked to them before the payment was due and they where very nice to work with me.

Of course mine is an older car (1995) so maybe these newer rigs they are getting more picky.