Tesco Credit Card Help

r0b089

Hi Guys,

Wondered if anyone has any advice on credit cards and my credit report.

I thought I had paid my credit card this month and was all up to date but it turns out I was £1 off!!! and as result my credit score has gone from excellent to poor! has anyone been in a similar situation before or have anyadvice for what to say to Tesco if I call them?

I've always been a good customer but for the sake of £1 I really want to try and get this off my report!

Cheers,

Rob

Wheres_My_Cashback

Tttttttttttttttttt!

aldredd

When you say you were 1 pound off, are you saying you paid 1 pound less than the bill, or 1 pound less than the balance?

If the bill wasn't paid in full, just pay it off - It shouldn't hamper your rating too much in the long term (ignore the CR's 'score' - it's meaningless & designed to get you to pay for their 'service' for longer).
Speaking to Tesco, they might even reverse any charge / update your profile accordingly.

If you were just 1 pound off your balance, that itself won't have had any real impact on your score - it could be a sign of something else though, so go through your profile in detail.

chanz4

if its only 1 payment late, dont worry you could ask them but they dint have to

lisyloo

Do you mean £1 less than the min payment or £1 less than the balance.

Try talking nicely to Tescos.
Setting up a DD for the min amount or full amount so this doesn't happen again.
Also ignore what any credit score says, it's made up by a company to sell you something. It has no meaning beyond making a profit for them.

r0b089

Sorry to clarify £1 less than the minimum payment

david39

I'm surprised that a minor default this month would have already damaged your credit score to such an extent.

I would suggest that there is something else affecting it and you need to look more closely at the details of the report to see what it is.

Any

Credit report going from excellent to poor because of £1 shortfall? I don't think so!! Hope you didn't pay to get this "report"..

Call Tesco and speak nicely to them and pay the quid.

debtcutter

david39 wrote: »

I'm surprised that a minor default this month would have already damaged your credit score to such an extent.

I would suggest that there is something else affecting it and you need to look more closely at the details of the report to see what it is.

Or that £1 did cause the drop and it's just yet more proof that credit scores mean virtually nothing.

broad-sword_2

Credit scores or the Emperors new clothes? Grrrr......

Try to pay back more than the minimum or you'll be paying toward the wife's dividend payouts forever with that Tesco card