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So how bad does it hurt your credit when you're one or two days late?....

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So how bad does it hurt your credit when you're one or two days late?....

 
Old 07-06-2009, 11:51 AM
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Default So how bad does it hurt your credit when you're one or two days late?....

So I pay a couple of credit cards late a day or two this month. The money situation has become really bad and I did not have the funds to pay on time. I've always been on time though but it worries me that it could make some sort of trouble down the line. Any credit gurus out there that know this field?...and how bad does it look?
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Old 07-06-2009, 11:53 AM
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Default Re: So how bad does it hurt your credit when you're one or two days late?....

There is usually a grace period where one or two/3/4/5 days will not matter on your credit score. They might fine you a little bit but it wont actually go on your credit report until its 30 days late. It's when you start getting really late they notice and report it to credit agencies.
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Old 07-06-2009, 11:53 AM
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Default Re: So how bad does it hurt your credit when you're one or two days late?....

Depends on your credit cars company and how they report it. Grace period and such. You may be good. But I'd start paying on time anyway haha.
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Old 07-06-2009, 11:54 AM
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Default Re: So how bad does it hurt your credit when you're one or two days late?....

I've missed 2 credit card payments in 6 - 8 years.. I'm not too worried about it and neither should you.

The one time the bank called me like 8 times to try and get ahold of me because it 'wasnt like me to miss a payment'.

I have hence set up my online account to automatically pay 100 dollars towards my credit card each month just in case I think I paid it already and didnt.
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