See which robots Google uses to crawl the web. Crawler is a generic term for any program (such as a robot or spider) used to automatically discover and scan websites by following links from one webpage to another. Google's main crawler is called Googlebot.
Eleven years ago, the Queens Library system, the largest in the nation by circulation, hired a professional enforcer to collect the 25-cents-a-day late fines as well as missing library materials from books to DVDs to rare musical scores.
So if you're under 30 days late, you can make the payment plus the late fee and avoid any damage to your credit report or credit score. Your credit card issuer may waive the fee for an accidental late payment if you ask and as long as the late payment was isolated. At 60 days late, your card issuer can raise your interest rate to the default or penalty rate.