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How serious is it if you make your credit card payment a few days late?

Missing a payment can impact interest, fees and your credit rating, but you can get back on track and avoid it happening again.

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Q: Normally I’m able to keep up with my credit card payments without any issues. But it’s the slow season at work right now, so my paycheques are a bit smaller than usual. At the same time, my gas bills, and even groceries, have gone up quite a bit over the past few weeks. A couple of days after the due date, I realized I had completely missed a credit card payment. Even though I paid it as soon as I realized my mistake, I’m really worried that I might have screwed up my credit. I had some trouble with credit about 10 years ago, and I promised myself I wouldn’t end up in that position again. How bad is it that I was a few days late making my credit card payment? ~Jason

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