Credit card late fees

Paxton1978 · 12 October 2019 at 3:12PM

Hi all,

First time poster, so hope this is in the right place. I recently took out a zero-percent interest card and fro the first two months the payments were 3-4 days late because the payment due date hadn’t been set up correctly. I’m challenging them, but am about to apply for a mortgage and wondered whether these late payments would affect my score considering they were only a few days late?

Thanks!

[Deleted User] · 12 October 2019 at 3:22PM

How were the payment dates not setup correctly?

They tell you what the dates are.

Paxton1978 · 12 October 2019 at 3:31PM

I’m convinced I changed the date online after the fact, but apparently this change didn’t go through. As I say, though, the main worry is how this affects my credit score

YorkshireBoy · 12 October 2019 at 3:37PM

Paxton1978 wrote: »

I’m convinced I changed the date online after the fact, but apparently this change didn’t go through. As I say, though, the main worry is how this affects my credit score

It will affect your credit history badly, in terms of a mortgage application.

Each of the two statements you received have told you the respective payment due date. A mortgage lender will wonder why, having slipped up once, you slipped up again the following month. Do you have an answer ready for that question?

Socajam · 12 October 2019 at 3:39PM

YorkshireBoy - Like you I am perplexed too, because on the statement it clearly states the date payment is due.
I always pay my credit card a couple of days early to ensure that it arrives on time.

molerat · 12 October 2019 at 3:56PM

Therein lies the problem. Manual payments are subject to the vagaries of the various systems in place and may take several days to be applied to the account. Always set up a direct debit for at least the minimum payment. That way there can be no issues with late payments, you may get interest charges but they unlikely as severe as late payment fees and will not affect your credit file. If you insist in making manual payments I suggest you do it about a week ahead of the due date.

Ben8282 · 12 October 2019 at 4:49PM

What do you mean the payment due date had not been set up correctly?
What yo you mean when you say that you changed the date online? How do you change a payment due date online? Please clarify.

[Deleted User] · 12 October 2019 at 5:54PM

Not many places (none that I know of) allow you to change the payment date yourself.

You usually need to call or use their live chat or messaging system.

Who is the card with?

Willing2Learn · 12 October 2019 at 7:45PM

I think what happened is that the OP set up a Standing Order instead of Direct Debits. The OP, when setting up the SO, failed to confirm the due date and therefore failed to ensure the payment was received by the card issuer before the due date.

@ OP - Please confirm what happened. If my assumption is correct, then you could request a refund of the 2x£12 late payment fees as a goodwill gesture. You would have to accept the blame though and acknowledge it was your error that caused the problem. I doubt whether the card issuer would extend the goodwill gesture to remove the late payment markers on your credit file. After all, they have a duty to accurately report the conduct of your credit account.

In addition, because your payments were late, that should mean your 0% APR promotional window will have been revoked. You could try the goodwill gesture with this too.

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Credit card late fees

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