For the first time, I would have almost missed a payment on one of my credit cards. I usually pay half of the payment in the first week and the rest in the third week. However, I missed the payment for my SBI cb because I didn't download the statement. The payment was due tomorrow, but due to the 30-31st month cycle, the actual due date is on the 14th, so I'm relieved that I didn't actually miss the payment.