Always Pay Credit Cards & Loans on Time
What you need to know about paying on time is that even a payment that’s one day late can have a negative impact on your credit report. If you happen to be late on a credit card payment, call customer service immediately and tell them that you accidentally forgot to make the payment. Make the payment over the phone and ask that they don’t penalize you. Some credit card companies will not report this to the credit bureaus assuming this is your first time missing a payment.