Which is a short-term consequence of making a late payment

Question:

Which is a short-term consequence of making a late payment on your bill?

A. It will be harder to buy a house because it affects your credit history.

B. There will be a late fee added to the bill.

C. It will be harder to secure a new loan at a low rate.

D. The bank will charge a fee for having a negative balance.

Answer:

B. There will be a late fee added to the bill.