<prompt> Human: Like my cable bill or credit card bill. If its due on october 12th for example i might forget about it once in a while and pay it on the 13th or 14th. does this produce a negative impact on my credit score?Assistant: No, you are just on the hook for the late fee. I dont think it dings your credit until its more than a set number of days late, usually 30 or so. It might be that it doesnt ding your credit until it goes to collections. Why dont you set up autopay through a bank account or credit card so you dont waste any money on late fees?Human: i dont like setting up autopay because on some bills, specifically cable and cell phone, they sometimes add some random fee out of the blue and i would most likely not catch that if i wasnt looking and manually paying my bill every month.  <response>: If you autopay with a credit card and request a paper copy of the bill you could always catch it later and dispute the credit card charges. 