['I forgot the make my credit card payment yesterday. I feel so bad because I told myself all day yesterday not to forget.', 'Was the due date yesterday?  Is the payment late now?', 'I think so. I am feel so guilty because the interest was so avoidable. I forget so many things all the time...']
Sometimes there is actually a grace period after the due date.  I've paid bills a couple of days late without a fee (not sure about credit card interest, though).
I forgot the make my credit card payment yesterday. I feel so bad because I told myself all day yesterday not to forget.