<prompt> Human: Im broke as shit right now because I only get paid once a month and I have a really, really hard time budgeting. I was also out of the countrybusy with school a lot in April and May, so my bank account is in a dismal state right now. I thought I had paid my credit card bill in June, but apparently I didnt - its now late, with a 25 charge, but I still have zero dollars to pay it for another 2-3 days. This is the first payment Ive ever missed on it, and luckily my statement date for July is in two weeks so I wont miss that one. Will this significantly affect me or is it not a huge deal?  <response>: Until a bill is 30 days late or more, it wont affect your credit. 