hi - sorry if this ends up being a dumb question i am going to blame it on me being young with no experience. my credit card bill was due today, and i usually pay online the day it's due. (bad habit, i i know) but since today was not a business day, it only let me pay by the 12th (monday) so i got charged a 39.00 late fee. so.. 1) will this wreak havoc to my credit score for my payment being "late"? 2) is there any way i could call bofA and ask them to waive the fee? it feels like such a waste of money! thanks so much in advance for your help! i'm hoping to buy a car by the end of this year and can't afford having my credit score being hurt.