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Worse, late payment may cause you to forfeit some or all of the rewards you've accumulated. By the time your account is 180 days late, i.e. you've missed six payments, the card issuer will typically charge-off the account, writing it off as a loss. The charge-off goes on your credit report and stays for seven years.
The number of months it will take to pay your credit card balance in full, given the monthly payment amount you plan to make, along with your estimated monthly purchases. When estimating your monthly charges, be sure to include any annual fees or other fees charged by the card issuer.he number of months it will take to pay your credit card balance in full, given the monthly payment amount you plan to make, along with your estimated monthly purchases. When estimating your monthly charges, be sure to include any annual fees or other fees charged by the card issuer.