<prompt> Human: Im really upset. I have multiple credit accounts and was not notified of the small balance that was put on the card in October. Is there anything to be done about it? Ishould have had email alerts set up. I have never missed a payment before. I should have also downloaded the app. Logged into my credit apps and see my credit already went down 40 points into the lower 7s. Will one missed payment ruin my chances of getting a mortgage?  <response>: For the future set up auto payments for the minimum payment. If you forget to pay the balance at the end of the month it will pay your minimum and save your credit but it shouldnt be enough to overdraw your checking account. 