How a Late Credit Card Payment Affects Your Credit Score

i think one really awkward moment was, e we were on the phone with the loan officer, and we had just sent through all the bank statements and stuff. And i was lik, white cause i didn't have any recollection of a late credit card payment obviously affects your credit score. I'm like calling my mam, and she had looked through her statements, and we found out it was the exact month that they were moving internationally. So it was just like utter chaos for them. You know. It's like your loan officers like, oh, who's the one who spent like 500 dollars on rice thisiot? It's not us.