Hard to say a 30, 60 and 90 day late all differ in scoring weight
Example a 30 day late loses its sting after 2 years but a 90 day goes much longer
CC companies only view is whats reflected on your CR's be it good or bad and in most cases the score will tell them pretty much of that (snapshot)
Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
