The context of the following conversation is Austin was late in paying their credit card bill.  Austin paid the fee.:
Austin says I was late paying my credit card bill this week but I paid it..
The friend responds How many days were you late?.
Austin responds I was three days late but there is only a fee after a week so it isn't a big deal..
The friend responds Oh that's good, fees for late payments are usually really high..
Austin responds Yeah, my heart skipped a beat when I realized I didn't pay it on time..
The friend responds Paying bills is really the worst sometimes..