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If the steps above don’t work, then ask if they could at least hold off on reporting the late payment to the credit reporting agencies that handle your credit report.

Okay, now let’s consider what happens after you have missed one payment (and remember, paying less than your minimum payment is equivalent to a missed payment).

Imagine this: Your monthly credit card bill comes in and you get that sinking feeling in the pit of your stomach because you know your bank account doesn’t have enough money to make the minimum payment. And in those cases, the thought that runs through your mind is, “What happens if I don’t pay my credit cards?

” Below, we’ll attempt to describe all the possible scenarios that can result from not paying your monthly credit card bill and provide advice for how to handle these situations.

That is not the same as being turned over to a collections agency, but it is an intermediary step as the company tries its best to recoup the money it is owed.