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how does this affect your credit?
- Thread starter CrazyDe1
- Start date
Yeah, it's just retarded because I pay online and the day changes every month. So I just assume around the 27th that I pay the CC bill but sometimes it happens to fall on the 26th so I've been a day or 2 late on occassion when I don't remember to go on and pay the bill till the 27th.
Scarpozzi
Lifer
You're screwed up for life....
Heh...no worries. I'm pretty sure you won't get many marks, if any, unless it goes to a collection agency. The stuff that matters most on loan applications is how long you've had your job and what your income vs. debts are. Be sure that you've had your current job for more than 2 years and lived in the same residents for the same amount of time.... If not, no worries. That'll just affect the interest rate a little.
Heh...no worries. I'm pretty sure you won't get many marks, if any, unless it goes to a collection agency. The stuff that matters most on loan applications is how long you've had your job and what your income vs. debts are. Be sure that you've had your current job for more than 2 years and lived in the same residents for the same amount of time.... If not, no worries. That'll just affect the interest rate a little.
Vic
Elite Member
Paying your credit cards off in full every month or only a couple of days past the due date does not affect your credit. Paying past the due date can cause late fees and other added inconveniences. There is also the danger that unpaid late fees could roll into 30 days lates on your credit.
To sum up:
- paying in full = nothing but good
- paying late, even just a couple of days = bad
To sum up:
- paying in full = nothing but good
- paying late, even just a couple of days = bad
StageLeft
No Lifer
Paying 30+ days late DEFINITELY shows on your credit and definitely sucks for it. If it's just "late" like a couple of days late I don't know if that shows up on your credit or not; obviously it will incur late charges though. Stop paying late.
I personally, as soon as the month starts, pay the minimum online just on the slim chance in hell that I forget to pay the real full amount later in the month.
I personally, as soon as the month starts, pay the minimum online just on the slim chance in hell that I forget to pay the real full amount later in the month.
PricklyPete
Lifer
It's alright to think these things in your head...but never say them outloud or write them down.
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