how does this affect your credit?

[CrazyDe1]

What if I pay my CC bills in full every month but a few monthes I've been a day or 2 late?

 

[notfred]

You get really high interest rates and lots of late fees.

 

[CrazyDe1]

yeah, i've gotten late fees...but if I go to get a loan does this show up?

 

[Nocturnal]

I'd try to NEVER be late if I were you or anyone else for that matter.

 

[CrazyDe1]

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

 

[damiano]

Originally posted by: CrazyDe1

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

start paying it on the 23rd

 

[dabuddha]

Originally posted by: CrazyDe1

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

You should contact the CC company. Alot of times, they'll let it slide.

 

[RossMAN]

Originally posted by: damiano

Originally posted by: CrazyDe1

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

start paying it on the 23rd

Agreed.

 

[CrazyDe1]

Originally posted by: damiano

Originally posted by: CrazyDe1

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

start paying it on the 23rd

Yeah, except I'm lazy and always put things off and the 27th is just the set date in my head...I should just switch the date in my head to the 23rd...

 

[damiano]

Originally posted by: CrazyDe1

Originally posted by: damiano

Originally posted by: CrazyDe1

Originally posted by: Nocturnal
I'd try to NEVER be late if I were you or anyone else for that matter.

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.

start paying it on the 23rd

Yeah, except I'm lazy and always put things off and the 27th is just the set date in my head...I should just switch the date in my head to the 23rd...

stop posting

 

[Scarpozzi]

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.

 

[Vic]

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

 

[StageLeft]

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.

 

[PricklyPete]

Originally posted by: CrazyDe1[/b
Yeah, except I'm lazy and always put things off and the 27th is just the set date in my head...I should just switch the date in my head to the 23rd...

It's alright to think these things in your head...but never say them outloud or write them down.