<prompt> Human: I always pay the balance off in full. Its not like I didnt have the money, I just forgot about it. Will 3 days late drastically effect my credit score now? They charged me a 25 late fee too. I just hate that even responsible people who havent missed a payment in years can be treated like a deadbeat that cant pay his bills. I know someone is going to say youre not special; you missed a payment and you have to pay the price. Yeah well, might be a reason to go back to using my debit card. I dont need these CC companies.  <response>: Ha! Nice attitude there, especially when you dont yet know the impact.This is unlikely to have much if any impact on your credit score, as payments less than 30 days late are often not reported as late at all.You can probably ask to have the late fee waived. 