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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!

When this happens, you will immediately be charged a late fee of approximately -35.

Since late fees get added right onto your balance, it will begin accumulating interest just like the rest of your debt!

Keep in mind, if you already have a history of missing payments (or making late payments), they will be more likely to report you after the 30-day mark.

If you are missing payments because the total payment amount is too large, you may want to consider a debt consolidation loan to reduce your total monthly payments. After the second missed payment, you will be charged another late fee of -35 and the credit card company will be more likely to report your late payment to the credit bureaus.

Once you are 90 days late, however, it will almost always be reported.

So if it’s reported to the credit bureaus, how much will the late payment hurt your credit?

There’s a grey area between 30-60 days late where some companies will report and some will not.Imagine this: Your monthly credit card bill comes in and you get that sinking feeling in the pit of your stomach because you know your bank account doesn’t have enough money to make the minimum payment. And in those cases, the thought that runs through your mind is, “What happens if I don’t pay my credit cards?” Below, we’ll attempt to describe all the possible scenarios that can result from not paying your monthly credit card bill and provide advice for how to handle these situations.But in the long run, a late fee is not the most damaging consequence of a missed payment.Let’s consider all the possible consequences: Those last two are actually much more serious than the late fee.