Capital 1 Late Payment

AJ84

Hi all,

It's one of those Friday 13th moments or just plain stupidity but having decided I need to pull my socks up and sort my cards out before I go for a mortgage, I've managed to miss a payment.

It's only by a day but a day is a day. They charged me £12 fee, it was late by the £30 minimum payment which I will be honest is nothing for me - it was a complete oversight and nothing more.

I have paid in £100 straight away and am due to clear the remaining balance next week- also rang them and they state it "should not" make it to my credit report as their run is end of the month and I've cleared minimum and more straight away. Also the £12 was refunded as goodwill as I've never missed a payment with them.

So my question is, could this make it to the report or is there a cut-off?
I'm looking at buying a property in Feb/March 2015 and the next few months was really meant to be a case of bumping up the deposit and clearing any outstanding cards but on the back of that, make sure the credit files stayed clean.

Cheers

[Deleted User]

It probably won't appear from what you've said. But only way to know is to check next month.

AJ84

I think it's a case of panicking before anything has/could happened.
Are Cap1 good at removing after grovelling or ...? (should there be one)

[Deleted User]

If it ends up being reported to the CRAs, they (or any other lender) are very unlikely to remove it.

But there's nothing you can do for now, and a single late payment isn't the end of the world in any case.

grumbler

AJ84 wrote: »

....It's one of those Friday 13th moments or just plain stupidity..., it was late by the £30 minimum payment which I will be honest is nothing for me - it was a complete oversight and nothing more.

You were asking for this to happen by not having a DD set up for a minimum payment (at least).