I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit

I know, I was being stupid. I got my first (and only) credit card on Sept 06 and have paid late twice within my introductory period of 6 months. Since then I have been paying my balances in full. I%26#039;ll be graduating in %26#039;09 and am worried about how this could affect my credit score. The only other debts I have are my student loans which are federal and not private.

What are some possible hardships I should be aware of in the near future?

I do plan on going to grad school either immediately or soon after I get my B.A.; will I be affected when I apply for grad student loans?

Is there anything else I could do to improve my credit other than paying off or keeping my balance at $0?

Thank you!

I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit score?

If you weren%26#039;t 30 days late it won%26#039;t hurt your score. You will face many hardships in your life. Some can be avoided like having children you can%26#039;t afford others are unavoidable. Getting into debt is avoidable except maybe student loans but you can limit them if you don%26#039;t live more expensively than you need to and work part or full time while in school.

Hardships you will face are unemployment, sickness, injury, and things breaking. The less things you own the less that can break and an emergency fund of several months expenses can help with the cost of the hardships.

I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit score?

it wint affect you at all because ive been late more than 3 times and nothing happens to youre score because the ccard companies rather make money off you by charging a late fee and if youre late theyll jump your apr to the default rate tp almost 30% and they wont make any bad reports to the bureu and youre score remains the same!!

I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit score?

As long as you make the effort to pay on time from now on, the two %26quot;mistakes%26quot; aren%26#039;t going to hurt you very much.

I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit score?

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I paid my credit card late 2 times within 6 months. How can I, a college student, improve my credit score?

Credit cards don%26#039;t report late payment until you are 30 days late. You two late payments shouldn%26#039;t show up on your credit report and won%26#039;t affect your score.

Your credit card company, however, does know you%26#039;ve made two late payments in a rather short period. Should you make a third late, they will probably raise your interest rate to the default or maybe close the account.

Only charging what you can pay in full every month is the smart thing to do. Builds your credit score and on time payment history. You don%26#039;t waste money on interest and don%26#039;t burry yourself in debt.