 TITLE: When Does a Late Payment Appear on My Credit Report? CONTENT: A One-Day-Late Payment Likely Won't Show on Your Credit Report\n--------------------------------------------------------------\nA late payment will be noted on your credit report after you have skipped an entire billing cycle, usually about 30 days. Therefore, if your creditor's due date was March 5 and it's now March 6, the matter is just between you and them—they will not report this late payment to the credit bureaus.\nThat doesn't mean you won't be penalized in other ways. You'll almost surely be hit with a stiff fee. You can be charged a fee up to $29 for the first late payment, then $40 each time you pay late within six consecutive billing cycles, according to the [Consumer Financial Protection Bureau](;utm_campaign=subscription+mailing+list&utm_source=federalregister.gov).\nAnother sharp penalty could be an interest rate hike. A credit card issuer has the right to raise your rate if you pay after the date your payment is due. This will be especially painful if you took advantage of a zero-interest balance transfer offer to avoid interest on another credit card. Zero-interest credit card offers usually come with promotional annual percentage rates (APRs) for a certain number of months, but that special rate will only remain if you follow the rules and pay on time.\nSo while a one-day-late payment will be absent from your credit reports, it has the power to hurt your bottom line. END