Credit card companies report late payments to the credit bureaus when they are at least 30 days past-due, in most cases. As a result, it is possible to make a payment before the 30-day window ends and avoid a derogatory mark on your credit report. Note, payment history is the largest factor affecting your credit score.
Making at least the minimum payment by the due date each month is the only way to keep your credit card accounts in good standing and thus protect your credit score. Although creditors do not report late payments until they are 30 days late, you can still incur late fees even if you are only one day late.
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