<prompt> Human: Okay so heres what happened. I know my bank takes a while to process payments and to clear my transfers when I pay off my credit card so I made sure not to make any purchases on my credit card after the first of the month to avoid keeping a balance the closing date is on the 9th. Well today I checked my account and saw that my Netflix subscription was charged to my credit card. At first I was confused, but then I found out my Netflix subscription is paid through my Paypal account, but I didnt realize that Paypal used my credit card as a backup funding source. It says the payment is still processing and it can take 2 or 3 days to clear before Im allowed to pay it off. Then it takes an additional day before the money is transferred to my credit card and paid off. This only gives me 4 days and Im really worried Im not going to be able to pay it off in time. I just received this credit card, so this will be my first closing date and I imagine its going to look pretty bad if I leave a balance on my card when I just got this card. Im not concerned with the interest rate that I might be charged. My concern is my credit rating. Right now I have almost excellent credit and Im stressing out because Im worried this late payment will decrease my credit score. Is there anything I can do and am I just being too worried? This has me so stressed out right now. My credit is really important to me. If it helps, the charge was 6.78 and my bank is Bank of America.  <response>: Chill out!As long as you pay your statement before the due date, you wont be charged interest, and it wont ding your credit.Read about the grace period.If you are this uncomfortable with credit cards, I would suggest either doing more research about how they work or not using them at all. 