Overdue bills

词汇语法及实用表达

bills账单
overdue逾期未付款的
debt债务
loan贷款
pay off 偿还
automatic payment自动还款miss a bill
utility水电费
past due逾期
get on top of管控，处理
got off light惩罚很轻
penalty惩罚

对话场景

文化拓展

How does a late payment affect your credit?

逾期还款是如何影响你的信誉的？

Just because your wallet got hit with a late payment fee for an overlooked bill doesn’t mean your credit report got hit with a negative mark.

因为一时的疏忽没有按时还款被罚滞纳金，并不意味着你的信用报告就一定会扣分。

Many creditors automatically impose a fee when your due date passes without a payment posted to your account. But if you’ve never or rarely been late before, your chances of getting a credit card issuer to reverse a late fee are pretty good.

如果在过了还款最终期限你都没有付款，那么很多债权人会自动罚你滞纳金。但是如果你以前从来没有或者几乎没有逾期还款过，信用卡发行商给你返还滞纳金的可能性就非常大。

When is a payment reported late?

什么时候还款算晚呢？

You don’t have to worry about a creditor reporting a payment that was a few days late.

就晚几天的话，你不用担心债权人会算作是逾期还款。

Credit bureaus don’t consider a payment late until it is 30 days past due. So while your mortgage holder or credit card issuer may charge you extra for paying three weeks after the due date, your credit score should be none the worse for it.

信用局规定，超过还款最终日期30天以上的才被视为逾期还款。因此，尽管你的贷款人或信用卡发行商可能会向你收取逾期三周未还款的罚款，但可能不会影响你的信用评分。

Knowingly and intentionally reporting you late when the bill is not at least 30 days past its due date violates federal law. That said, late is not an all-or-nothing issue. Thirty days late is bad, but it’s not as bad as 60, which is not as bad as 90. The sooner you can catch up, the less damage to your credit and the sooner your score can start to recover.

明知道此规定，还故意在你不超过30天未还款的时候就算你逾期还款，这是违反联邦法律的。可是即便如此，逾期还款这种事要么永远不会有，要么就会一直有。晚30天是不好，但总比60天好，而60天又比90天好。反正就是你还款越早，对你的信用损害越小，你的信用评分也就会越快恢复。

Source: https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/

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