Missing a credit card payment could hit your wallet a little harder next year. The Consumer Financial Protection Bureau is increasing the permissible maximums for credit card late fees starting January 1. It’s not certain that the card issuers themselves will institute the higher fees that day, but it’s likely to happen in the coming months. These are the new fees:

• $28 for the first time you’re late. Previously, these were capped at $27.
• $39 for subsequent violations. Previously, these were capped at $38.