Missing the deadline payment is the most obvious reason why people get bad credit. Many people tend to overlook this, thus late fees and interest rate hikes. When that happens, you get bad credit record and it will be hard for you to apply credit cards, mortgages and loans in the future.
I’ve been there…done that and I tell you, it’s very annoying. I hate it whenever I miss out paying my credit card on time. The amount of money they’ll charge you is just way too much. If you allow that to happen each month, you’ll realize you’re paying for late charges more than the real purchases you’ve had.
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