Past your credit card due date? What next

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When your account is past its due date, it means the minimum payment required was not paid on time.

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A missed payment on your credit card statement will show as "past due date" after the last payment due date.

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You can now expect a late fee to be added to your charge, in addition to the interest charged on the carry over balance.

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If you continue to miss paying your minimum balance, increased credit charges will be added to your account.

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If you can pay within 30 days, you could still save the missed payment from impacting your credit score.

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If you're over 180 days or 6 months late, your account may be closed. You'll have no choice but to pay the balance in full.

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Your credit card agency may also assign your account to a collection agency who can hound you to pay.

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This can negatively affect your ability to make purchases as well as impacts your budget with high interest rates.

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Your credit score will take a hit. The next time you apply for a loan or credit card, you could be denied.

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