 TITLE: What to Do if You’re Late on a Credit Card Payment CONTENT: You're in Control\n-----------------\nNo matter how financially responsible you are, it can be very easy to miss a payment due date. But before you panic, assess the situation and make at least the minimum payment required on your account as soon as possible. You might then try calling your issuer and asking if they will waive the late fee or undo any penalty APR interest they might have imposed on your account.\nBy paying within 30 days of the missed due date, you should be able to avoid having a late payment noted on your credit report or doing any significant damage to your credit score. If you want to learn what's on your credit report, get a free copy through Experian. You can also check your scores for free and sign up for free credit monitoring. Careful credit management and making on-time payments reliably can help your credit scores improve over time. END