Which is a long-term consequence of making late payments on your bills? it will be harder to secure a new loan at a low rate. the balance in your checking account will be negative. there will be a late fee. the number of payments will increase.

I believe the correct answer from the choices listed above is the first option. A long term consequence of making late payments on your bills would be that it will be harder to secure a new loan at a low rate because of the record you have. 
Hope this answers the question. Have a nice day.