conversation: User (fritz_thecat): "My credit history is about 5 years old, I have approximately $20K in credit available, and NEVER made any late payments and ALWAYS paid the balance in *full* every month, 100% of the time.\n\nBUT... I am a bit short in cash this month, and would prefer to delay paying one of the credit cards bills (which is $1100, due in 5 days), to next month.\n\nHow bad would this hurt my credit score?  Would this be a deragotary point??  \n\nEdit: RIP inbox.  Thank you all so much for your responses and answers!!! :-)"
  Self: "It wont. But you will pay interest and lose your grace period. You don't have any savings? Save up an emergency fund."
  User (fritz_thecat): "I have savings.  But I don't want to use that account, because it is allocated for a different purpose.  How much would this cause me to pay more?  Where can I see this information?  Is this the APR?  (just a guess)"
  Self: "Roughly APR/12*balance plus the same thing next month I think. After that you should get your grace period back. But if you ever carry a balance I think you should just wait a month or two before you use your credit card again just to make sure you have your grace period."
  User (fritz_thecat): "Thank you so much!!!!!  Your answer is very much appreciated!! :)"
  