A note about missed payments, some companies do not report a missed payment until you are 60 or 90 days
past due and it is
common for a credit card company to reverse the late fee and possibly interest as a
courtesy to their best customers if you have a strong payment record and it is your first missed payment in 12 months.
People have survived the
past 10 years eating at a restaurant for an hour without checking their email, and in fact people survived long before that without email at all, so I don't know why people are now forgoing
common courtesy and self - restraint to obsessively check technology rather than enjoying the opportunity to be present with the person who is right in front of them.