 Delinquent for 30 days, you can manage if handled quickly. Some card issuers allow a single missed payment before they charge a late fee. But this is when your credit rating begins being put at risk. Two payment cycles missed, 60 or more days, credit issuers begin wielding the high risk label. Once the 90-day mark's violated, some banks will begin to seek to recover the full balance owed. Past 120 days and the debt is charged off, transferred to a third party. More damage to your credit rating. To avoid all of that,