Delinquent

"Oops...I did it again...I played with my credit card...and forgot to pay it on time."

Okay, terrible song, but...that's you. You’re two weeks late. Sorry, friend, you’re delinquent. Better make that payment fast. Once you pass your grace period, your credit card company will report your lack of timeliness to credit bureaus. As time goes on, you’ll be in default, which is a much bigger deal. Oops indeed.