Martin Lewis: Payment holidays extended – but should you take one? Mortgages, credit cards, loans...

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This is the discussion to link on the back of Martin's blog. Please read the blog first, as this discussion follows it.
Please click 'post reply' to discuss below.
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I am under the impression from what I have read on this site that 'payment holidays' shouldn’t affect credit ratings.
Any advice would be greatly appreciated.
Thanks in anticipation.
Mortgages & Endowments — MoneySavingExpert Forum