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What happens if I pay half of my minimum payment?

Unless youve come to a new agreement with your creditor, consistently making less-than-minimum payments will eventually end with you defaulting on the account, which will more than likely put the account into collections. The sooner you address the problem, the better.

What happens if you dont pay minimum amount due?

If you dont make the minimum payment by the due date, your card issuer will likely charge a late fee, and some may charge a penalty annual percentage rate (APR) on future purchases.

What happens if your minimum payment is late?

Missing or making late payments If you dont pay at least the minimum payment or you make a late payment, you risk: your interest rate increasing. negatively affecting your credit score. losing the benefit of any promotional rate offer you have.

What if my payments do not meet the minimum due?

The consequences of not paying the minimum monthly payment are just as serious as skipping the payment entirely. Youll face a late fee to begin with, and continued nonpayment can lead to a higher interest rate, debt collection calls, and even legal action such as wage garnishment.

What happens if I miss my minimum payment?

Missing a minimum payment or paying late can increase your balance if a late fee is added to the account. Also, you may continue to be charged interest on your unpaid balance until your card issuer receives your payment in full.