• If you're not charging me a Late Payment or Over Limit fee, do I still need to make a payment on time?

    Yes, even if we are not charging you a fee, making a late payment or going over your credit limit will still impact your credit report, making it more difficult or expensive to borrow money in the future. Not making your minimum payment every month could also mean you’re charged additional interest.
    If you applied for your Clubcard Plus Credit Card before 21st July 2020, you will not be charged Over Limit, Late Payment, or Returned Item fees.
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