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16-Jan-2019 15:43

” 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.

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.

The credit bureaus maintain your credit report and compile your credit score, which lenders use to determine whether to let you borrow money – and at what interest rate.

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But in the long run, a late fee is not the most damaging consequence of a missed payment.Of course, you could try to switch to a card with a lower interest rate, but that would depend on your credit score…



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