Missed HSBC credit card payment by 4 days now

edited 30 November -1 at 1:00AM in Loans
6 replies 1.8K views
Ryan.MaloneyRyan.Maloney
218 Posts
edited 30 November -1 at 1:00AM in Loans
I should have funds in my account to pay it tomorrow.

Does anyone know if this is a 'black mark' against my credit record (almost certainly yes for hsbc credit scoring)

Do they share this data with, say, barclaycard or marbles?

Do these organisations share data like that?

Replies

  • AstarothAstaroth Forumite
    5.4K Posts
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    Yes late payments are shown on your credit file which all subscribers to Experian/ Equifax etc can see.
    All posts made are simply my own opinions and are neither professional advice nor the opinions of my employers
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  • it will show on your file. just learn from it and try not to miss anymore :)
    Debt at highest £16k+
    Debt at lightbulb moment £14,800
    Current debt £6336
    Cleared £4206 in November 05 How ? Bye Bye PPI :)
  • ritaingritaing Forumite
    89 Posts
    Hi, If this is the first time you have missed a payment you may not get charged for late payment if you ring them up and talk nice to them. Rita.
  • K9cuddlesK9cuddles Forumite
    2.2K Posts
    Yes.. if you ring them and explain.. you "might" be lucky!
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  • missilemissile Forumite
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    and pigs might fly .......
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  • K9cuddlesK9cuddles Forumite
    2.2K Posts
    missile wrote:
    and pigs might fly .......

    Not really.. first offence they are pretty fair tbh!
    Official DFW Nerd Club - Member no. 092

    ::£2 - CSC - Terramundi is filling up!! :: Joined 3/3/06 :: 5/2/07 - 835kg + £280 Banked!!::
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    Lost to date - 9kg (22/8/06) Next weigh in 2007!!
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