I didn't realize I didn't pay last month's chase credit card bill yet until last Saturday. Then, I called chase and was told it hasn't been reported to credit beaura yet. I arranged the payment from my bank account right away. It will take 3 days for the money to get there. I called chase today and got to know they have reported to the credit beaura!

And the customer service woman was very bad.

I never paid the bill so late to be fined and reported... How much will it influence my credit history? My credit history is not that good since I don't consume that much.