<prompt> Human: I carry a bunch of credit cards, although I only use 1 or 2 regularly. This is mainly from slowly getting cards with larger and larger limits as Ive developed my credit. I also have 2 car loans. Currently sitting at a FICO of 796 according to Citi, 748 according to my credit union, 746 according to Discover. All these scores have been steady for a few months. Today I got notice from Barclays that my Aviator Red MC is passed due. This never happens, because Im religious about payments. I have calendar events set to remind me days before payment due, and I am religious about making payments when the calendar reminds me. I logged in, and sure enough, 138 2 months passed due. What had happened was Barclays does this stupid thing where it makes me verify my account every time I log in. Sometimes with security answers, sometimes with SSNDOBAccount Number. I remember not having the card to verify the login, then as days passed, I just forgot because it broke the cycle of the habit I had. Then when the reminder came to pay the next month, I knew I hadnt used the card recently so I didnt prioritize checking the account. When I did go to check, it again made me verify the account, and again I didnt have the card. How will this negatively effect my credit? And is there anything I can do about it?I did pay it off immediately today.Not sure if this matters, but I have a total of 12 or so cards with a total available credit limit of 60k or so, with only 2-3k utilized, which I usually pay off every monthEDIT: I called Barclays and they were able to reverse the late payment fee, and advised that I should have nothing to worry about regarding the delinquency, and did also advise I set up Auto Bill Pay to avoid this in the future. Thanks for the advice guys!  <response>: Call the number on the back of your card and ask if they can remove the late payment from credit agency reporting 