See also: Water softening. Soft water is surface water that contains low concentrations of ions and in particular is low in ions of calcium and magnesium. Soft water naturally occurs where rainfall and the drainage basin of rivers are formed of hard, impervious and calcium poor rocks.ecause soft water has few calcium ions, there is no inhibition of the action of soaps and no soap scum is formed in normal washing. Similarly, soft water produces no calcium deposits in water heating systems. Water that is not soft is referred to as hard water.
Four Things Happen When You Pay Late. 1  Your creditor will charge a late fee. 2  Your interest rate will increase if you're delinquent for 60 days. 3  The late payment is added to your credit report when your payment is more than 30 days late.  Your credit score may drop.
1 Never having a credit card â You wouldnât think this would negatively affect your score, but having a credit card (and paying it off on time) is one of the fastest ways to build credit. 2  Therefore, conversely, not having a credit card means that you havenât probably done much to build your credit. Any late payment can negatively affect your credit score because theyâre all reported, and it shows that you are unreliable, forgetful, or living paycheck to paycheck. 2  All of that spells âbad investment, run awayâ to credit companies and other lenders. 3  Itâs not fair, but themâs the breaks. 4  Have no fear, though.