Over a relatively short period of time, exceeding your payment due date is not necessarily going to result in a bad credit rating. I am far from ​​encouraging budget laziness, but a very slight delay on a credit card or a mobile phone account is no reason to sleep badly at night. If you missed a payment that is only a few days past due, it is very unlikely that the delay is already listed in your Equifax and TransUnion records. Although it is not explicitly mentioned, most lenders and providers allow additional time before notifying a delay with the credit rating agencies. Be careful though. These small delays could harm you in the eyes of the organization with which you’re doing business; for example should you seek a limit increase or a reduced interest rate.