Missed a payment by a week
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I completely forgot to pay my credit card statement on time. A week after the due date I suddenly remembered, and immediately made the payment. Will this instance be reported to my credit report and ruin my credit? It was less than a $100!
It’s not reported
You have to be more than 30 days late from the due date for them to report it to the credit bureaus.
It won’t appear on your credit report, and will not affect your credit score.
What you CAN expect is a late fee and increased interest on you next statement.
See Late Payments and Credit Scores for more information.
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