1st time ever late payment!

frenchy

OMG.Just opened my post and I have been charged £12 for a late payment fee,I thought I had paid it.It was only £146,I pay it off every month(tesco card points).I have just paid it in full, can this affect my credit rating.Thanks for any replies.

opinions4u

It might (rightly) show on your credit file. It will beocme less important within a year.

Ring Tesco and grovel. Ask them nicely to reimburse the £12. Perhaps set up a direct debit too.

You could also be cheeky and ask them to remove it from your file. I can't see why they would though.

frenchy

Its not the £12 I am worried about,I was in the wrong not the credit card company I just wanted to know if anyone on the forum had missed a payment and it had affected their credit score.

opinions4u

Yes, they have.

My apologies for going so horribly off topic.

MuffinTops

Hello Frenchy,

It creates a red or yellow spot or a number 2 on your credit report to show the payment was late. But amongst all the green dots or number 1's I can't see it "affecting" your rating in any way.

YorkshireBoy

MuffinTops wrote: »

It creates a red or yellow spot or a number 2 on your credit report to show the payment was late. But amongst all the green dots or number 1's I can't see it "affecting" your rating in any way.

Have they changed the numbering system?

As I remember, a 2 would denote payments are (up to) 2 months in arrears, a 1 one month, etc. If payments are up to date they normally post a 0 (zero).

sharpy2010

ronen5 wrote: »

I have just ate ate Yates it was great!!!

I just reported this as spam, which is also great!

Fruit_and_Nut_Case

opinions4u wrote: »

My apologies for going so horribly off topic.

I should think so too. How on earth could you ever imagine that such useful information would be appreciated.

captain1000

I'm having a problem with natwest at the moment over a 'late' payment. I closed the account in December and then get a letter on the 15th March telling me I missed a payment! Apparently I owed them £5. I never recieved any notification I owed them and they closed my access to the account on line. It is now showing on my credit rating as a missed payment

tomsco

captain1000 wrote: »

I'm having a problem with natwest at the moment over a 'late' payment. I closed the account in December and then get a letter on the 15th March telling me I missed a payment! Apparently I owed them £5. I never recieved any notification I owed them and they closed my access to the account on line. It is now showing on my credit rating as a missed payment

Isn't one thread enough?