Missed credit card payment - effect on credit rating

antilles

Hi

I signed up for one of these Debenhams store cards to get 20% off some Christmas shopping in December. Received the bill and paid it in full before the due date.

However, it appears that I entered the wrong reference number and the payment was bounced (I didn't notice the bounced payment).

Spoke to their collection agency this morning to pay the bill again; because it was a genuine mistake, they waived the late payment fee (£12) and any interest on the missed payment.

Is this likely to impact my credit rating given that it was genuine error and I'm a completely new customer? I am guessing not but wondered if anyone had any experience of this?

Thanks!

[Deleted User]

Depends on whether the late fee was marked on your credit files.

Either ask them or check yourself.

antilles

I did ask any they don't have a clue. So I guess checking it myself will be the only way! Thanks!

dm19

Something similar happened to me when a direct debit wasn't set up properly. They removed the £12 but left the interest. There isn't a missed payment marker according to clearscore, but my balance is £12 higher than my debits for the month. It looks like £12 just disappeared.

Candyapple

antilles wrote: »

I did ask any they don't have a clue. So I guess checking it myself will be the only way! Thanks!

Don't forget you will need to check all 3 credit reference agencies and not just rely on the data from 1.