<prompt> Human: Do banks cut slack? I never missed a payment but had a family emergency and will not be able to pay this months bill. What will happen? Will it just be carried over? Confused. I am not very educated about this. Dont want my excellent credit to get ruined. need it lol.., I screenshoted my mint webpage to imgur  <response>: You need to call your credit card issuer and let them know about this. They may be able to work with you. If you just miss a payment with no contact, theyll charge you a late fee and will probably raise your APR to the penalty APR 30.For the future, you should set up an emergency fund so emergencies dont prevent you from paying your bills. 