person A: I forgot the make my credit card payment yesterday. I feel so bad because I told myself all day yesterday not to forget.
person B: Was the due date yesterday?  Is the payment late now?  
person A: I think so. I am feel so guilty because the interest was so avoidable. I forget so many things all the time...
person B: Sometimes there is actually a grace period after the due date.  I've paid bills a couple of days late without a fee (not sure about credit card interest_comma_ though).
person A: You might be right_comma_ I'll look into this. Thank you.