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A day late
Sncjw
Posts: 3,567 Forumite
in Credit cards
I have just paid my credit card off and it’s a day late. It was due 27th April. The days are getting blurred together.
Anyways I am due to get mortage funds released from another bank. Can this affect that. I really don’t want a late payment marker . First time in a long time I’ve been late payment.
Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.
0
Comments
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You may be o.k in the current climate.0
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It’s only 1.5 hours late. I’ve asked on twitter and awaiting a reply but posted on here to see if anyone could help tooMortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.0 -
Based on what?alfred64 said:You may be o.k in the current climate.
I've not seen any lenders take a favourable view on un-agreed late payments at all. "This climate" making no difference at all.
Try talking to them but I don't expect they will remove what is a factual marker. If you had agreed a payment holiday that would be different.
Can i ask why you don't have a direct debit setup?0 -
I have tweeted them and they said they arent charging late fees or making marks in this current times
I haven’t got a direct debit because I don’t want one.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.1 -
My understanding is many credit card companies will remove a market if you get in contact with them, especially if is only a day late.Malkytheheed said:
Based on what?alfred64 said:You may be o.k in the current climate.
I've not seen any lenders take a favourable view on un-agreed late payments at all. "This climate" making no difference at all.
Try talking to them but I don't expect they will remove what is a factual marker. If you had agreed a payment holiday that would be different.
Can i ask why you don't have a direct debit setup?
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No doubt you're right but this does mean that such a credit card company is knowingly misreporting the customer's behaviour to its credit reference agency(ies).pecuniam_hominem said:My understanding is many credit card companies will remove a market if you get in contact with them, especially if is only a day late.0 -
I would at least setup a DD for the minimum
payment.2 -
I think very few credit card providers would report a late payment in your situation.
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