This is the reason why it is important to pay bills as early as possible to avoid such negative effect on the credit score. (wisebread.com)
When you are late making payments on credit cards, this has one of the most negative effects on your credit rating. (resolvebadcredit.com)
Many department store credit cards will have a slightly more negative effect on your credit history than a card issued by a major bank. (creditcardsmarts.org)