<prompt> Human: So I totally forgot to make my credit card payment 4 days ago. I got hit with a late fee, which is fine... but will Wells Fargo report this late payment to the credit bureaus?? Im so upset. Im working on my credit score and dont want it to be dropped by this! Im only 4 days late. I heard that you have to be 30 plus days late for them to report it on your credit report. Is this true? Wells Fargo told me they report it monthly... so am i safe or screwed???  <response>: By the way, you could even call Wells Fargo and ask if theyll waive the late fee. If youve never been late before theres a chance theyll remove it. 