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If you have an “introductory” or special interest rate, you might lose it after a missed payment.
That could cost you hundreds or even thousands of dollars.
Fortunately, credit card companies cannot report a missed payment less than 30 days after the due date.
They must wait at least 30 days to see if you are able to pay before the next due date rolls around.
When this happens, you will immediately be charged a late fee of approximately -35.
There’s a grey area between 30-60 days late where some companies will report and some will not.
If the steps above work, then make sure you pay the bill by the new due date (and make a plan to get out of debt so this doesn’t happen again – Ready For Zero can help).
If your monthly payments are too large, sometimes a debt consolidation loan can help you reduce the total monthly payment you owe.
Which brings us to the other big question: will one missed payment (or late payment) affect your credit score?
The answer is that it depends entirely on the discretion of your credit card company, which has the right to report a late payment to the 3 major credit bureaus (Equifax, Experian, and Trans Union) after 30 days.