ok, i am late for first time, my car payment is 560 month, due on 25th, i have ten day grace period. i paid 300 on the 29th. i am not going to b able to pay anything until 11/12, then i was going to add remaining 260+30 late fee to next payment amount 560. TOTAL 880! iF I PAY 220 a week i will b caught up and pay all of it on 12/3 which is still within next grace period. Will i b ok? is a late fee only charged once a month?