Ok, so first time in many many many years I missed my payment due date on my credit card cause I have been very ill last few days. I realised today and paid (4 days late).
Called them to ask of the effect and my situation and they refunded by late repayment charge and the interest.
She said "it doesn't really matter until you go 14 days over". Anyway, I hung up.
Then I began to panic about my credit rating, as I said, I have never been late ever before in about 7 years. I read online that most don't show up until 30 days late? But I got mixed messages about that.
So I called again, and again they stated, they have not reported me as its not 14 days. But that doesn't really confirm to me it won't show up on any credit report?
My concern is I have a mortgage application open.
Read more: Barclaycard credit card payment 4 days late, credit rating affect?
