Do you think this screwed up my credit history/score?

[Mark]

I do all my billing online, however I wasn't paying attention and scheduled a credit card payment for when the due date was (i.e. 25th). I thought everything was fine and dandy but when the date came by, the money wasn't transferred until a day later.

I called the bank and they explained delivery times, etc. and removed the late charge to my account. The person on the phone said it wouldn't affect my credit ratings... and it would normally start affecting my credit score if I didn't amount due and late charge within 30 days.

As much as I would like to believe them, I still have my doubts. What do you guys think?

As of now, the only debt I have are student loans and car payments (should be done with them within 2 years). Always keep a 0 balance on my credit card.
@ms.toni

Thanks, exactly what I wanted to know. Will select you as best answer once the option comes up.

 

[Michael T]

It won't affect your credit score but banks are using any excuse to raise the interest rate on credit cards.

In the past, that occurred with everyone occasionally and was ignored but you cannot tell what they may do now.