Virgin Credit Card

kiwimel123

Just looked

nickmack

kiwimel123 wrote: »

Just looked at my statement on line, I was well over my limit last month! I have since paid this back the following month - will this have a bad effect?? Sorry if I am seeming stupid but I just need to clarify!

Depends how quickly, you made up the shortfall, I think Virgin only mark the payment as a 1 if you don't make good before the next statement date.

Bear in mind MBNA are one of the providers who supply additional information to Credit Reference Agencies now, so your account behaviour can be more closely scrutinised by other lenders.

debtdestroyer007

u wont get marked with a late payment, but it may go against ur internal score with the card company when it comes to reviewing ur limit as u have exceeded it recently. always best to leave a buffer mate........ maxed out cards are just as bad these days