<prompt> Human: Sorry guys my first time missing a payment ever...Ive been perfect thanks to your guys help but this past week I was out and about and just forgot to pay my statement or the minimum so I got a 25 late fee. Does that bring down credit score? Any negatives? I promise not to do it again  <response>: First off, most places will NOT report you being late until you are 30 days late. So your credit score will likely not take a hit.Second off, if you call customer service and you ask nicely, most of the time they will waive your 25 late fee. Especially since its the first time. And bonus if you offer to set up an automatic payment for the minimum due. That would almost certainly get the late fee waived. 