 TITLE: What Happens If I Stop Paying My Credit Cards? CONTENT: A Penalty APR Could Kick In\n---------------------------\nOnce you're 60 days behind, the card issuer can charge a new, higher penalty APR to your account that applies to your current balance and future transactions. If you bring your account current, you may be able to get back to your standard APR after making six consecutive on-time payments for at least the minimum amount due. END