<prompt> Human: I have always done my banking online - I never set automatic payments because I trusted myself more. I have recently seen the light as human error has intervened for the first time. My payment was due June 1 and I realized just after midnight that I had forgotten to do so. Typically, I pay my card well in advance, but have recently started another grad class and have thus been overwhelmed with work, etc. I promptly logged in and paid the bill in full just 15 past midnight. Ive had this account open for 7 years now and have paid my balance in full every month on time until now.I have read that in most cases, unless a late payment extends to 30 days it will not be reported to the credit agency. Ive also read that calling the bank may waive the late fee 25. Im not even that worried about the fee as much as my credit - I have no debt and have made a point to always pay my card in full, so Im quite worried this will significantly impact my score and stick with me for 7 years. Maybe Im just being paranoid, but is this something about which I can inquire if I call tomorrow?  <response>: Call customer service, speak to a human, and explain your situation. Theyll probably waive the late fee, and wont report anything to the credit people as its less than 30 days late.And if they dont help you ... oh well, shit happens. Its not a big deal. 