Hi 23f and I’m stressing as I had a rough timing issue this month with rent, internet and a big car expense came out at the same time and it overdrafted my account, by $400 but Because of that, my car 150$ loan payment bounced and got returned.. I get paid in a few days and can make the payment then….. Timing was just really bad this month!!! I called CIBC and they said it won’t be reported as late unless it’s 30+ days overdue and reprocessing would’ve if I wasn’t paying at all for multiple months, but I’m still stressing….If I’m 5 days late, Could this still put me at risk for repossession in the future ? And or them not wanting to renew my loan? And or lack of trust?Or some sort of client relationship issue? Has anyone dealt with a bounced car payment before? I am living on my own trying to manage but things are getting stressful and I am way to embarrassed and ashamed to talk to my parents about this stuff. Just trying to understand how serious a late payment by a few days is on a loan schedule….

Hello all, I had apartment insurance with TD and pay premiums annually, I don’t know what happened this year they sent me notice saying they cancelled the policy for not paying and letter stating i need to pay the amount for cancellation like less than 100 bucks, they said annual premium are not taken automatically and i was under the impression it would automatically be taken out of my account. Anyhow, i got email from DA group services that i need to pay that amount. I immediately paid the amount to TD as i wasn’t aware of the letters as I away for sometime, I told DA i paid the amount and they said that’s all I need to do and I asked if it will affect my credit score they said no, is that true and also they mentioned they don’t report TD stuff to credit bureau or something. Can anybody let me know if all this would impact credit score? And anything I could do if they do report it?