Missed credit card payment

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Hi everyone!
Lately I missed 1 payment on my credit card. Missed two days coz I never received my CC bill from the bank and coz of family troubles just didnt think of having to worry of not receiving my monthly bill. The amount is just 5 pounds. Will it worsen my credit rating forever or i can do smthg about it?

Comments

  • Robert_Sterling_3
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    No not forever.
    ...............................I have put my clock back....... Kcolc ym
  • anotherpaul_2
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    One late payment is unlike to have a significant effect.
  • amalis
    amalis Posts: 532 Forumite
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    No not forever.


    and for how long?
  • amalis
    amalis Posts: 532 Forumite
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    i am really so worried coz i dont really understand the system.
    i was hoping for mortgage in next year. does it mean i can forgt about it now? it is only 2 days missed payment!
  • Paulos77
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    Should really effect you much if its the first time you missed one. also its not really missed be just down as a late payment. you will proabably get charged about £12 though.
    Comping again
  • amalis
    amalis Posts: 532 Forumite
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    Paulos77 wrote: »
    Should really effect you much if its the first time you missed one. also its not really missed be just down as a late payment. you will proabably get charged about £12 though.

    yes, its the first time. :( hope the last one as well.
  • nomoneytoday
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    A single late payment shouldn't make a huge difference, as long as its rectified asap :)

    Usually the really negative stuff starts to happen after a few missed payments, such as not being able to get shiny new mortgage offers IMHO :)
  • Robert_Sterling_3
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    The solution, in future, is to make the minimmum payment by Direct Debit each month and then make any additional payment you like.
    With a Direct Debit the Credit Card Company are responsible for taking the minimum payment.
    ...............................I have put my clock back....... Kcolc ym
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