i paid my credit card bill a day late, will that shun me from all chances of having a good credit rating?
well, ok. to be honest it certainly doesn’t help. but it certainly isn’t the end of the world. try to be more responsible and make the payments at the appropriate time.
as well, a good suggestion in the future would be to call you credit provider ahead of time and inform them that you’ll end up having a problem with making your monthly payment. quite often if you give them a heads up they can alter you payment schedule, especially if you haven’t previously had delinquent issues. the institution isn’t out to get you. they want you to be happy as a customer of their service and generally try to help whenever possible. one late payment will stay on your record, but probably isn’t enough to stiff you from future car loans or mortgages. just try to think about it ahead of time and let them know.
cheers,
askastudent