If you miss a payment, you can make the payment and the late fee within 30 days and nothing hits your credit record.
Various fees like that are "allowed" to be added on when you start going delinquent, and get the amount total owned much higher. It's basically usury, in all senses of the word.
Various fees like that are "allowed" to be added on when you start going delinquent, and get the amount total owned much higher. It's basically usury, in all senses of the word.