Had a credit card late payment, Help please.

Had a credit card late payment, Help please.

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Discussion

Vyse

Original Poster:

1,224 posts

124 months

Tuesday 21st October 2014
quotequote all
I was checking my credit card bank statement this month and noticed a £12 late fee. Normally I normally quite good at payments. I dont tend to pay on a set day but roughly the same time each month. But due to this episode I have now decided to set a direct debit so this cant happen again. However my issue is I cant seem to work out why my payment was late. Here is a break down of the past month and a bit, bearing in mind that its one of those cards were if you pay the £25 minimum you don't get charged.

August statement:

Period 24 Jul 2014 - 23 Aug 2014
Minimum payment by 12 Sep 2014
I made a £150 payment on the 25 Aug 2014

September statement:

Period 24 Aug 2014 - 23 Sep 2014
Minimum payment by 13 Oct 2014
I made a £400 payment on the 22 Sep 2014

The late payment date was applied to my account on the 13 Oct 2014.

Thanks

Vyse

Original Poster:

1,224 posts

124 months

Tuesday 21st October 2014
quotequote all
Ah thanks, so I should have paid a day later.

If I paid before the statement was produced how could it be a missed payment because I don't even have the next statement which should arrive sometime later this week?

Thanks

Vyse

Original Poster:

1,224 posts

124 months

Tuesday 21st October 2014
quotequote all
Thank feck that direct debits set up now.

Vyse

Original Poster:

1,224 posts

124 months

Friday 24th October 2014
quotequote all
Tesco gave me back the money. They said that first time they would refund, 2nd time no chance. Lesson learnt I guess.