I chased some credit card rewards and got bitten. I opened a card in May, used it in July, and somehow forgot about it. There was a lot going on with my parents, and I missed setting up autopay on it, didn’t add it to Quicken, just - spaced it. Today I realized I had been dinged with over 30 days late. I got it before it hit 60 days late. I feel stupider than I have in a very very long time.