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  • FIRST POST
    • lynxptc
    • By lynxptc 2nd Sep 10, 11:28 AM
    • 233Posts
    • 26Thanks
    lynxptc
    Natwest Credit Card 1 day late
    • #1
    • 2nd Sep 10, 11:28 AM
    Natwest Credit Card 1 day late 2nd Sep 10 at 11:28 AM
    Paid my Natwest credit card one day late....does anyone know if this will be reported to the credit reference agencies as a late payment?

    I know MBNA only report a payment as late if it is completely missed?
Page 1
    • Gordon Hose
    • By Gordon Hose 2nd Sep 10, 11:32 AM
    • 6,064 Posts
    • 4,111 Thanks
    Gordon Hose
    • #2
    • 2nd Sep 10, 11:32 AM
    • #2
    • 2nd Sep 10, 11:32 AM
    For 1 day, I doubt it. If you keep doing it they may not look too kindly on it.
    • ElkyElky
    • By ElkyElky 2nd Sep 10, 12:04 PM
    • 2,423 Posts
    • 2,739 Thanks
    ElkyElky
    • #3
    • 2nd Sep 10, 12:04 PM
    • #3
    • 2nd Sep 10, 12:04 PM
    You may get lucky and it wont be reported but whether it's 1 day late, or 100 days.. it's still a late payment.

    It would probably be best if you contact NatWest and explain to them why you were late, and ask if there will be any late payment fees.

    Even if they do report it to the credit reference agencies, one late payment marker won't do much damage. It happens to everyone from time to time.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • INT1
    • #4
    • 2nd Sep 10, 12:23 PM
    • #4
    • 2nd Sep 10, 12:23 PM
    Late payments don't matter too much, missed payments do!

    Set up a Min DD so you don't have to worry about making the payments on time and pay more if you can.
    • nomoneytoday
    • By nomoneytoday 2nd Sep 10, 12:24 PM
    • 4,621 Posts
    • 2,777 Thanks
    nomoneytoday
    • #5
    • 2nd Sep 10, 12:24 PM
    • #5
    • 2nd Sep 10, 12:24 PM
    A single "1" instead of "0" if they do report it won't make a huge difference to your credit score
  • Bob the Saver
    • #6
    • 2nd Sep 10, 9:45 PM
    • #6
    • 2nd Sep 10, 9:45 PM
    Paid my Natwest credit card one day late....does anyone know if this will be reported to the credit reference agencies as a late payment?

    I know MBNA only report a payment as late if it is completely missed?
    Originally posted by lynxptc
    It seems too obvious, but why not set up a DD for the minimum payment at least.
    • fozmcfc
    • By fozmcfc 3rd Sep 10, 10:09 AM
    • 2,955 Posts
    • 2,148 Thanks
    fozmcfc
    • #7
    • 3rd Sep 10, 10:09 AM
    • #7
    • 3rd Sep 10, 10:09 AM
    I'm going back 5 years or so, but Natwest marked me down as a late payment and charged me, by missing the payment by 1 or 2 days.

    Still showing on my report now, the only blemish in 6 years.
    • Percy1983
    • By Percy1983 3rd Sep 10, 4:48 PM
    • 4,941 Posts
    • 7,649 Thanks
    Percy1983
    • #8
    • 3rd Sep 10, 4:48 PM
    • #8
    • 3rd Sep 10, 4:48 PM
    I had a late 1 day late with the halifax about 4 months ago, the did charge me but I did find that it wasn't on my credit file when I checked it recently.

    As mentioned, if they do mark it then it shouldn't do too much damage.
    • Marksfish
    • By Marksfish 3rd Sep 10, 4:53 PM
    • 98 Posts
    • 15 Thanks
    Marksfish
    • #9
    • 3rd Sep 10, 4:53 PM
    • #9
    • 3rd Sep 10, 4:53 PM
    Not sure about your card, but I paid my Amex card 2 days before the due date using their phone operators. I was charged a £12 late payment fee, they told me it could take up to 72 hours to process!!! Phoning back did get the charge reversed, so beware.

    Mark
    • chattychappy
    • By chattychappy 3rd Sep 10, 5:04 PM
    • 5,845 Posts
    • 2,989 Thanks
    chattychappy
    Resist the siren calls to sign up to a DD....

    Just don't be late again!
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