<prompt> Human: This is the first credit card I have ever had, and I was doing really well keeping up with the payments. Always paying the full amount on time every month. This month however I missed the payment date. I didnt get any notice, and nothing on my website looks too alarming or anything. I am just wondering if missing once will kill all the progress I have made this past year on my credit report?  <response>: I forgot to pay one of my Chase cards because I dont regularly use it its the Disney rewards card - important detail, haha. I called the day after the payment was due, apologized profusely and explained that I had just set up the payment and asked if anything could be done about the late fee. The rep laughed and said Mickey has waved his magic wand and extended your due date to today! No fees will be charged!As for your credit report, it wont be reported for being a day or so late. You typically have to miss a payment for a whole month before the company can report it to the agencies. Dont sweat it, and set a monthly phone reminder in the future : 