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Credit Cards

What happens if I miss a payment?

You will be charged a late payment fee of £12 if your minimum payment does not reach your account by the due date. Any promotional offer you are currently receiving will also be withdrawn.

Keep track of your payment due date by logging on to the mobile app or by visiting Online Banking. To ensure you never miss a payment, please see our existing FAQ Ways to pay your credit card. You can also set up alerts to remind you when your payment is due. For more information on how to manage your alerts, please see our existing FAQ How do I manage my alerts for my credit card account?

Please note that if you miss a payment this may affect your credit rating, If you are experiencing financial difficulties, please contact us or visit our FAQs.

Comments

Hi,

 

My credit card payment was due on 10.09.18 . I logged on and made a payment through my mobile phone. Logged on again last night to discover my payment never went through. I've bern charged a late payment fee. I made another payment yesterday evening and have confirmed this time the payment was accepted although still not showing on my online banking yet.

My worry is that I will loose my interest free promotion???. I've never been late paying before and wasn't deliberately this time.

I will be setting up a direct debit to stop this happening again.

Hoping someone can help. I'm not at home at the moment and do not have my card on me to ring the customer services. 

Hello @Mummyoftwo, I'm sorry to hear this. If you could please private message @Tesco-Bank with your full name, DOB and postcode, I'll be able to have a look into this for you - Caroline

Hi 

I received an email notification that my promotion period was due to end so I amended my ddr to take out the FULL balance 5 days before it was due . However the payment hasn’t gone through and now I have a late payment charge on my account. I have never had a late payment EVER and don’t want to get a bad mark on my credit score due to a technical issue ....

Please help! 

 

 

Btw I have made a manual payment today for the full balance 

Hi there, I'm sorry to hear that this has happened. Can you please privately message @Tesco-Bank with your full name, DOB and postcode? I'll look into this for you.

Hello,

 

I set up a DD on my account and it said that the payment would be taken by DD on 5th December. I logged on the account on 6th December and notice that the DD wasn't taken and that a £12 late payment fee had been applied. 

I don't want to lose my promotional items and I have never been late with a payment for anything in my life. 

 

Is there a way that you can reverse this as I have had some interest applied to my account on 10th December.

 

Thanks in advance. 

@Christina1 Sorry to hear this, please privately message @Tesco-Bank with your full name, DOB and postcode, and I'll have a look at this for you.

Hello,

I set up a DD on my account for my new credit card and it said that the payment would be taken by DD on 19th December. I have been waiting for the payment to leave my bank but it hasn't so I logged into my Tesco account today and notice that the DD wasn't taken and that a £12 late payment fee had been applied. 

 

I have never been late with a payment for anything in my life so I am very upset that despite setting up this Direct Debit and it saying in my account the next payment would be taken by 19/12/18 that you didn't take it and so have issued a late payment fee.

 

Is there a way that you can sort this out and make sure that I don't lose my promotional discount as it said in my account it would be taken but hasn't so I don't know what has gone wrong? I have checked all the details and all account details are correct and even now it is saying it will be taken by 19/12/18.

 

Thank you.

Hi @cracks, I'm really sorry to hear this. Your best bet would be to call and our team and they will be able to take a closer look into this for you, they'll also be able to discuss your 0% rate.  

I set up a direct debit at the beginning of December for my credit card and when I checked just before pay day (15th) it said that my direct debit would be taken on 18/12/18 so I thought great and thought no more of it. When I checked my account on the 20th-23rd. I couldn’t see it being taken but with the time of year I just thought there was a delay in seeing it being taken from my Natwest debit account. I just went on to check tesco account tonight as there’s is still no sign of the money leaving my personal debit account and I’ve been charged a late payment fee of £12. I have not received a letter or notification that anything was amiss. I’m now worried about my promotional offer. The date on my direct debit had changed to January 18th and amount to pay shows is double. Please can you help me? :-( Why did it say it was due to be taken but wasn’t? I’ve now paid what  should have taken on 18/12 plus the late payment fee via debit transaction. I would just like information on how this affects my promotional offer please. Thanks in advance. X