<prompt> Human: So Im dumb. Missed a Credit Card payment by a few days just because I got busy and totally forgot about it... Its paid now but apparently already reported because I received an alert from Credit Karma. Do I have any recourse at all or am I riding this shit wave for 7 years?I should add that this is the first time in 12 years that this has ever happened to me and I have no other late payments on anything. Also, this particular card has 3 yrs of on time payments. Thanks in advance PF!  <response>: They cant report it to the credit bureaus till its 30 days late from my understanding. Most credit cards will wave the late fee if you normally pay on time, call them up and ask nicely. 