i've paid off a late credit card bill on my student account (although it now says 'graduate account' even though i'm still technically a student)

but the person i spoke to on the phone from hsbc seemed pretty pissed off about the fact it was late, apparently a mark will be next to my name.

so does this mean i'll never be able to borrow money for a mortgage/car (etc) in the future? it's not the first time i've made a late payment like this. or is there more lenience with student credit cards?

why is life so stressful?