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Will paying your cell phone bill late by less than 30 days affect your credit scores or raise any APR?
I might not have the money to swing my cell phone bill. If I can 't pay it on time, I would be able to pay it about 2 weeks after the due date. Would this affect my credit or make the APR on my credit cards go up? Thank you in advance.
Short answer: most likely.
Having a cell phone bill in your name affects your credit rating. It is a form of credit. And while the bill may not be as large as a car payment or mortgage, it still does affect your score. I think that a late car payment can lower it up to 100 pts so a late cell payment would probably be in the 30-50 pts range i would guess.
If your score is already immaculate, then you have nothing to worry about. But if you are on the edge of a range that gives you a more attractive interest rate, then you may want to wiggle things around a bit and at least put something down towards the bill. Give the company a call and tell them your situation and that you can put down part of it, and will have the rest in two weeks when you get paid. They will respond better and it may not even affect your score, since you showed good faith in paying what you have.