{"id":354365,"date":"2016-01-26T08:00:28","date_gmt":"2016-01-26T15:00:28","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=354365"},"modified":"2022-07-28T09:09:04","modified_gmt":"2022-07-28T15:09:04","slug":"what-to-do-if-you-forget-to-make-a-credit-card-payment","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-score\/what-to-do-if-you-forget-to-make-a-credit-card-payment\/","title":{"rendered":"What to Do if You Forget to Make a Credit Card Payment"},"content":{"rendered":"

\"shutterstock_85126600\"<\/p>\n

There are a number of reasons to miss a credit card payment \u2013 financial woes, competing expenses, or waiting for cash inflow. Oftentimes, though, the reason is simply that it was forgotten.<\/p>\n

Absentmindedness can happen to the best of us, but forgetting a payment can cause a few negative consequences. Your credit card provider could charge you a late fee, raise your interest rate, and even report your late payment to the credit agencies, damaging your credit score. You could even lose your rewards points.<\/p>\n

Luckily, most of these consequences can be avoided if you move swiftly to reconcile the issue.<\/p>\n

Pay Your Bill Immediately<\/em><\/strong><\/p>\n

First things first: you should pay your bill immediately. As long as you aren\u2019t weeks or months late, your credit card company will likely not report the missed payment to the credit agencies. This also puts you in a better position to negotiate away any penalties \u2013 in fact, you could coordinate your payment over the phone with your credit card provider at the same time you call them to negotiate in our next step.<\/p>\n

Contact Your Card Provider<\/em><\/strong><\/p>\n

If you have a history as a good customer, you may be able to convince your provider to waive the consequences and accept your late payment this time.<\/p>\n

Call up your credit card provider. Make sure you know how long you\u2019ve been a customer and your history of on-time payments. If you\u2019ve made your forgotten payment by this point (or are prepared to) make sure to mention this. Ask to waive the negative consequences of your late payment. It doesn\u2019t hurt to ask, and if your standing with the company is good, you have a decent chance of negotiation as long as you can make your payment ASAP.<\/p>\n

You should avoid mentioning that you are having difficulty making payments unless you truly need long-term help. If you give the credit card company the impression that you are having financial difficulties, they could lower your credit limit.<\/p>\n

Put a Stop to Future Missed Payments<\/em><\/strong><\/p>\n

Once you\u2019ve resolved the issue, you\u2019ll want to get back on track and avoid missing payments in the future. You can do this several ways \u2013 many credit card providers support automated payments to charge your back account on a recurring date each month.<\/p>\n

Or, if you\u2019re uncomfortable with automatic debiting, you could simply setup a monthly calendar reminder on your phone, email, or wall calendar to remind you the same time each month to make that payment on time.<\/p>\n

If You\u2019re Having Difficulty<\/em><\/strong><\/p>\n

These steps will help you manage a missed payment due to forgetfulness. However, if your missed payment is due to deeper financial trouble, you may need a greater response. Check out this post<\/a> for what to do if you\u2019re struggling with credit card debt.<\/p>\n

\u00a0<\/p>\n

Related Articles:<\/strong><\/p>\n

Credit Card Basics for First Time Users<\/a><\/p>\n

What are the Most Common Credit Mistakes People Make?<\/a><\/p>\n

Common Myths Related to the 5 Factors of Your Credit Score<\/a><\/p>\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

There are a number of reasons to miss a credit card payment \u2013 financial woes, competing expenses, or waiting for cash inflow. Oftentimes, though, the reason is simply that it was forgotten. Absentmindedness can happen to the best of us, but forgetting a payment can cause a few negative consequences. Your credit card provider could […]<\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"yoast_head":"\nWhat to Do if You Forget to Make a Credit Card Payment - CreditRepair.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/what-to-do-if-you-forget-to-make-a-credit-card-payment\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to Do if You Forget to Make a Credit Card Payment\" \/>\n<meta property=\"og:description\" content=\"There are a number of reasons to miss a credit card payment \u2013 financial woes, competing expenses, or waiting for cash inflow. 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