Quick one,

My Credit Card is due tuesday and i get paid next friday, my bad i know.

Anyway my question is i can still pay some but not all of the minimum payment, will this go down as non payment on my credit history??

hope this makes sense

 

I think if the payment bounces you have a few days then they try again if still no payment then it will count as none payment iirc.

 

best thing to do is call the company and let them know, they may give you more time and save any letters getting sent out.

 

you can pay part payment but you will get hit with a non payment fee . phone them to pre warn them and you might catch them on a good day and avoid the fee.

 

Ive been trying to ring them, but i get bored with there "your call is important with us, please hold on", I dont mind the fee, its my fault in the first place, just dont want it to go down for a non-payment on my history as i making a payment just not all of it!

 

late payments dont count as non payment
you need to miss 3 payments in a row before they take any action
they just wont give you any credit extensions etc while you have an overdue payment pending
and they may poss remove the ability to draw cash from the card
but no bad history for a late payment 100% sure

 

if you phone them and let them know they will more then likely give you a few days

 

Cheers Mate thats great, i still gonna pay half tomorrow and half when i get paid, so will get there in the end!

 

yes, you can phone them and change the set payment date. you can with virgin anyway.

 

Ive given up ringing them after 10 mins on the waiting line i get bored and put it down