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I am posting here because I am concerned about a new policy being implemented by the new owner of a retail store I work at. As the title says if we are 60 seconds late for our shift or from our breaks our pay is apparently being docked 15 minutes.
So if you're under 30 days late, you can make the payment plus the late fee and avoid any damage to your credit report or credit score. Your credit card issuer may waive the fee for an accidental late payment if you ask and as long as the late payment was isolated. At 60 days late, your card issuer can raise your interest rate to the default or penalty rate.