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	<title>Debt Negotiation Zone &#187; fico scores</title>
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		<title>What happens to my credit score if I am 30 days late on a credit card?</title>
		<link>http://debtnegotiationzone.com/what-happens-to-my-credit-score-if-i-am-30-days-late-on-a-credit-card/</link>
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				<category><![CDATA[Credit Card Articles]]></category>
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		<category><![CDATA[what happens to my credit if I can't pay my credit card]]></category>
		<category><![CDATA[What happens to my credit score if I am 30 days late?]]></category>
		<category><![CDATA[when is my credit card bill late]]></category>

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		<description><![CDATA[What happens to my fico score if I am reported late? If you are late paying on your credit card bill by thirty days or more, it will get reported to the credit bureau as a late. I have seen credit scores drop as much as 100 points just by having one late payment. If [...]]]></description>
			<content:encoded><![CDATA[<p><strong>What happens to my fico score if I am reported late</strong>?  If you are late paying on your<strong> credit card bill </strong>by thirty days or more, it will get reported to the <strong>credit bureau</strong> as a late.  I have seen <strong>credit scores drop as much as 100 points just by having one late payment</strong>.  If you are trying to buy a home and the credit late is within a 12 month period it may keep you from being able to buy or <strong>refinance your home</strong>.</p>
<p><strong>Does having to pay the late fee automatically mean that I will be reported as late to the credit bureau</strong>?<span id="more-142"></span></p>
<p>If you are hit with a <strong>late fee </strong>because you are 15 days past <strong>the due date of the credit card statement</strong>, that does not mean that you will be <strong>hit with a late in your credit bureau</strong>.  From the 15th-29th day after the <strong>credit card statement due date</strong> you wont get <strong>a late on your credit</strong> as long as you make the<strong> credit card payment</strong>.  You will only get a 30 day late on your credit after the bill has gone unpaid for 30 days.</p>
<p><strong>Do not mess around with paying your credit card bill</strong></p>
<p><strong>Pay your bills on time</strong>.  You never know when you will need your good credit.  Get in the habit of <strong>paying your bills on time</strong>.  If you lack discipline, you may want to try <strong>online bill payment</strong>.  I do mine through <strong>Bank of America</strong>.  It is very simple.  You could even sign up for automatic payment.</p>
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