<prompt> Human: Hello guys I had a bill due of 500 on Dec 1 and I thought I was rolled under a automatic payments but I guess I wasnt. Its an AMEX card and Ive been paying on time for the past 3 years.I just realized that on Dec 4, it was overdue and I got charged a 35 dollar late fee, I paid the late fee and the full payment as soon as I realized that I wasnt on autopay...How will this affect my credit?Thank you.  <response>: Dont worry about it. 30 days past due is whats reported. If youve had an excellent payment history with them they should be able to credit you the late fee as well. Call them. 