<prompt> Human: I bought a car on December 30, and made my first monthly payment on Feb 1. At the time, I thought I had set up an automatic monthly payment through my online banking account. So, I assumed that the March 1 payment was already scheduled. This weekend, I was looking through my accounts and realized the payment was never made. I immediately sent the payment but its not going to go through until today because of the weekend. I am contacting my bank to try and figure out what happened. In the meantime, how badly will this affect my credit score? At the time I purchased my car, it was 712 and I have payed all of my other bills on time since then.  <response>: It shouldnt affect your score at all. Most places dont report late payments to the credit bureaus until theyre 30 days past due. 