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Which brings us to the other big question: will one missed payment (or late payment) affect your credit score?The answer is that it depends entirely on the discretion of your credit card company, which has the right to report a late payment to the 3 major credit bureaus (Equifax, Experian, and Trans Union) after 30 days.Your interest rate might go up by 10% (from say, 15% to 25%) and if you still have years left to pay off your balance, that additional interest will add up to a painful amount (see our article on the Impact of One Late Credit Card Payment for more details).Of course, you could try to switch to a card with a lower interest rate, but that would depend on your credit score…There are various customer service options to choose from, including contacting the billing department about a refund for a charge you did not authorize.The automated system explains that automatically charges your payment method so you don’t miss any matches.
The email form for customer service is the only openly available means of contacting the company. The customer service center for is answered by an automated system with a lot of feedback and background noise.
Fortunately, credit card companies cannot report a missed payment less than 30 days after the due date.
They must wait at least 30 days to see if you are able to pay before the next due date rolls around.
If the steps above work, then make sure you pay the bill by the new due date (and make a plan to get out of debt so this doesn’t happen again – Ready For Zero can help).
If your monthly payments are too large, sometimes a debt consolidation loan can help you reduce the total monthly payment you owe.