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Unfortunately if a 30-day late payment hits a credit report, it typically will drop the score on an average of 60 to 110 points right away.Any payments which go anywhere between 31 days to 60 days late are considered a 60-day late and will compound the drop in score further.
A late fee is a fee charged when your payment is received after the due date or, with some loans, after the payment grace period. When you have a balance on your credit card, your payment is due a minimum of 21 days after the end of your billing cycle.