<prompt> Human: My Mortgage is due on the 1st of the month, but not late until the 15th. Does it negatively effect my credit if I pay it after the due date but before the late date?  <response>: You wont be reported late to credit bureaus until its 30 days past due. But youll probably be charged a late fee if you wait past the 15th.Id say the grace period is not something you should try to take advantage of, in general. 