Handling an Accidentally Missed Credit Card Payment
If you are a few days late, do your best to pay your bill before the beginning of the next billing cycle. Doing so will prevent the credit card company from reporting a negative payment history to the credit bureaus, which can damage your credit score. Creditors typically report delinquent payments once they become at least 30 days late; so make your payment before becoming 30-days delinquent.
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