That is what it is.....it is your mistake....that is what they are waiting for.....i had one friend.....he had discover card of line $2000 for 0% life long......but condition was “if he miss any payment or use more than limit or etc than new apr will be 22%”

If you have missed by 1-2 days ….then call them they might consider…. I missed my payment by 1 day for the citicard….and they didn’t fine or increase my apr.