Best move for decent credit history?

1 Post
Newbie
in Credit cards
Hi all,
I recently lost my 0% interest on a Tesco credit card due to a late payment. This was completely my error & I paid it a week late, in full.
Now besides my separate issue that I was not sent the text reminder alerts that I was set up to recieve. I am now wondering what the next best step to take would be.
Of course I have no personal desire to pay interest on any borrowing but, I am wondering what the smartest move re: credit score & my future is.
Previous to this I had always paid my balance on time & in full, & have had the card for 1 year. It is the only credit card I have ever had & I am 24 going on 25.
What would be the smartest step to take now? Should I carry on using the card & just pay the interest, close my account, look for another card?
Any advice would be appreciated, thank you
I recently lost my 0% interest on a Tesco credit card due to a late payment. This was completely my error & I paid it a week late, in full.
Now besides my separate issue that I was not sent the text reminder alerts that I was set up to recieve. I am now wondering what the next best step to take would be.
Of course I have no personal desire to pay interest on any borrowing but, I am wondering what the smartest move re: credit score & my future is.
Previous to this I had always paid my balance on time & in full, & have had the card for 1 year. It is the only credit card I have ever had & I am 24 going on 25.
What would be the smartest step to take now? Should I carry on using the card & just pay the interest, close my account, look for another card?
Any advice would be appreciated, thank you

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Replies
What you do have is a credit history and you cannot cheat the system. One late payment is not going to have much of a negative impact. Continue to run your finances responsible and you will be fine. Using your CC regularly ands clearing the full balance each month will add positively to your history.
As Farfetch says, above, you could always phone them and try the sob story... it will only cost you a phone call and I have found it better asking for things like that on the phone, they can't see you etc., and wouldn't know you from Adam if they saw you in the street - so no embarrassment.
It's worth a try. And sometimes works.
as above I would call them and ask for them to reinstate as good will first if was a genuine oversight.
failing that barclaycard / mbna have decent offers, use their eligibility checkers they will give an idea if they'll accept you or not