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So you make a late credit card payment every once in a while. No big deal, right? After all, the late fee is less than $30 and you're in somewhat of a budget crunch. No harm, no foul? Wrong! You, my friend, are making a huge mistake every time you don't pay your credit card on time. Think I'm exagerating? Here are some things to consider.

Think you have a perfect credit score? Surprisingly, even if you've never paid a single bill a day late, you might not have a perfect credit rating. Credit scores range from 300 to 850, and fewer than one in one-hundred people have that perfect credit score of 850. How do the proud and few do it? Here are some insider secrets.