Wonder how a late payment affects consumers differently? See a sample comparison by FICO.
https://www.cnbc.com/select/what-happens-when-you-miss-a-credit-card-payment/
As you can see, the higher your credit score, the greater negative effect a 30- or 90-day missed credit card payment has on your account. That’s because someone with a lower credit score already has their past behavior reflected in their score. The addition of one more indicator of risk won’t be as significant as someone with a clean credit history.