ohno week late credit payment, am i ruined?

[njdevilsfan87]

I came so close to missing payments twice, and not because I didn't have the money, but because I just completely forgot until the last second. Once I was a few hours late and actually called up my company to have the payment issued (they were cool about it since I had a perfect record for a while with them), and the second time I remember the morning the payment was due. But other than that... my rate has gone from 29% -> 19% -> 13% along with credit limit increase over the years, so I've been good. I have no idea what my credit score is though.

Oh... and automatic payments now.

 

[BurnItDwn]

Make payment before it's 30 days late and it won't hit your credit.

They will probably increase your rates, but maybe they will be cool about it.

 

[illusion88]

well thats not bad, my credit card is like 19%

Lol
13% on a 500,000 loan is quite a lot. It's a lot more interest than the 19% on your 800 credit card.

 

[lothar]

Hating a credit card company is like hating bacon for making you fat.
It's delicious and great as long as you don't eat it for every meal.

I use my credit card for every single purchase I make and bill payments.
There's nothing dangerous about that.

 

[KK]

wtf are you worried about your credit score. I thought we all here paid cash for everything. Lets back up here, you couldn't pay your credit card bill in time, wtf are you doing using a credit card.

 

[brianmanahan]

its becasue i frogot to set it up!!! i got plenty of casch to pay it off dude dont u wrory about that