Being 30 days late on a credit card payment is considered delinquent. And, credit card delinquency isn’t something you’ll want to mess around with.
Does the length of your credit history affect your credit score? You bet. And it’s one of the biggest factors that affect your credit score.
Depending on which credit scoring model you use, your debt to credit ratio can affect your credit score. However, debt to income ratio is different.
Aside from payment history, credit utilization is one of the factors you’ll need to monitor if you’re looking to increase your credit score.