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So if it’s reported to the credit bureaus, how much will the late payment hurt your credit?
Unfortunately, it will have a pretty dramatic effect.
Imagine this: Your monthly credit card bill comes in and you get that sinking feeling in the pit of your stomach because you know your bank account doesn’t have enough money to make the minimum payment. And in those cases, the thought that runs through your mind is, “What happens if I don’t pay my credit cards?
” Below, we’ll attempt to describe all the possible scenarios that can result from not paying your monthly credit card bill and provide advice for how to handle these situations.
Before we go any further, it’s important to explain what you should do immediately as soon as you realize you can’t make a minimum payment: 1.
Let’s consider all the possible consequences: Those last two are actually much more serious than the late fee.
If you have an “introductory” or special interest rate, you might lose it after a missed payment.