Quick question please help!

[Anonymous]

So I have been repairing my credit for over a year now and paying my bills perfectly. Unfortunately I had some health problems this month and accidentally paid one of my credit cards 1 day late! Will this show up on my credit? Should I call and speak to the CC company. I always pay my balance in full. I'm so upset with myself right now. We are trying to buy a house right now

[-Cain-]

I don't believe being one day late would show on your CR, but you probably will incur late fees and it may or may not affect your APR. I believe it would have to be 30 days late for it to show on your CR. I may be wrong, others will chime in also.

[Anonymous]

If you call and explain the reason some will waive the late fee.  I don't think most will report a 1 day late, but can ask.

[marty56]

+1 on the call and explain.

A good plan would be to pay at least the mnimum payment due as soon as the statement drops.  This is doubly important if you are in the middle of a 0% APR promo or you tend to revolve balances.  Take an honest look at yourself to make sure this was just an oversight as opposed to something more.

[armywifey85]

+1 call and explain what happened. 

[oracles]

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@-Cain- wrote:
I don't believe being one day late would show on your CR, but you probably will incur late fees and it may or may not affect your APR. I believe it would have to be 30 days late for it to show on your CR. I may be wrong, others will chime in also.

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this is correct, it wont show up on your credit report, you are only 1 day pass the due date not 30, so dont worry.

And also call up CS and explain and usually they will waive it however YMMV