New Delhi, Sept. 25 -- Your credit score, ranging between 300 and 900, acts like your financial report card. It impacts your eligibility for personal loans, credit cards, and even rentals. A common concern is whether missing a credit card bill or personal loan EMI by just one day harms your score.

The good news: in most cases, it doesn't. If the delay falls within your lender's grace period, it won't hurt your credit profile. But it may still bring other consequences.

Akshay Aedula, Product and Growth, CRED, explains, "Paying just one day late usually won't affect your credit score, since banks report delays only after three days past the due date. However, you may still be charged a late fee, and missing due dates can disrupt your paym...