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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.Find the phone number for your credit card company and give them a call. When you get a customer service representative on the line, tell them that unexpected circumstances have made it impossible for you to make your minimum payment on time this month (If this is the first time it has happened, make that clear). Tell them when you will be able to make the payment. Ask if they can change your due date just this one time and if they would be able to waive your late fee.Which brings us to the other big question: will one missed payment (or late payment) affect your credit score?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.For example, if you have credit score of 740 it might drop all the way down to 640.
When you have missed a payment, your credit card company can play “hardball” and report you immediately after the 30 day window is up, or they can give you a bit of time to fix the problem before reporting it.Unfortunately, it will have a pretty dramatic effect.Experts say that regardless of your current credit score, a mark of 30-60 days late will usually lower your credit score by 60 to 110 points!If the steps above work, then make sure you pay the bill by the new due date (and make a plan to get out of debt so this doesn’t happen again – Ready For Zero can help).If your monthly payments are too large, sometimes a debt consolidation loan can help you reduce the total monthly payment you owe.