<prompt> Human: All right, rpersonalfinance. Im young 23 but have been taking great pride in watching my credit score slowly go up over the past year--before this debacle, it was firmly in Excellent range. However, I apparently forgot to set up autopay on my new credit card, and consequently got an email telling me Id missed a payment. I immediately dashed to my online account and paid off the credit card balance and the late fee. I checked my credit score and its dropped a bit 5 points, but it also says that Ive made 100 of payments on time, which is no longer true. :So! Questions: How long does it take my credit score to update, and how much of a ding should I expect?Edit: Thanks so much for the advice, folks! I called my credit card company--they rescinded the late payment ding and refunded the fee. Turns out it never hurts to ask!  <response>: Ive never heard of the large banks Chase, Citi, AMEX, etc reporting a late payment unless it was 30 days or more. Ive made a couple late payments to Chase late by a few days and it was not reported. 