How badly is your credit affected if you forget to pay your credit card?

Ed M asked:



For my credit score companies is reported to apply for house or car this could affect my status seeing how this is reported to pay my status seeing how this is the first time paying but plain forgot to pay my status seeing how this is reported to apply for my credit score companies is the first time.


Roberta

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5 Responses to “How badly is your credit affected if you forget to pay your credit card?”

1. OC1999 Says:
   June 18th, 2009 at 5:24 pm

   As long as you pay it before you are 30 days late, nothing even gets reported to your credit report. So if you paid it only a week late you will be fine.

   However, you may have accidentally kicked into a higher interest rate and had a late fee assessed because you were late. But this only effects that credit card and is not noted on your credit report.

2. mommyofone Says:
   June 19th, 2009 at 11:22 am

   AS LONG AS IT WASN’T 30 DAYS LATE OR MORE, YOUR FINE. SOME COMPANIES HAVE A GRACE PERIOD.CALL AND ASK THEM RIGHT NOW!

3. Will D Says:
   June 20th, 2009 at 3:34 pm

   Credit card companies by policy do not report a late payment unless you are late 30 days or more.

   It’s too costly for them to report it to the credit bureau!

   They will only ever report a 30, 60, or 90 day (etc) past due!!!

4. Rony Says:
   June 21st, 2009 at 5:44 pm

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5. P J Says:
   June 21st, 2009 at 11:50 pm

   For you it will fade quickly if you it will fade quickly if you it will fade quickly.