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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 Any promotional offer you are currently receiving will also be withdrawn.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'. We can also send you alerts to remind you when your payment is due.


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.


hi, its always best to try & avoid missing a repayment as not only will it be marked on your credit file but you will get stung with late payment charges so contact your card issuer at earliest oppertunity to explain as there will be a dedicated dept to help anyone experiencing problems

Hi @Emma1234567, I have replied to your private message regarding this. 



I've had some issues with my bank account and the payment DD suggested it had gone but today I can see a payment reversal. I have also been charged £12 for a late fee can someone please help 

Hi @Newsom1882, I'm sorry to hear about this. So that I can look into this for you, could you message me privately at @CustomerSupport confirming your full name, DOB and postcode please?



I received a letter today informing me that I am being charged 12 pounds for missing a payment. I assumed I had paid in December and it was a simple oversight during xmas and the fact my sim card wasn't active that I did not receive an alert or check my email as I was abroad. As its a first offence and I have cleared the full balance as I always do could it be rescinded?


Kind Regards

Hi @djb123, I'm sorry to hear about this. So that I can look into this, could you message me directly at @Tesco-Bank  confirming your full name, DOB and postcode please? - Ainsley

Hi AinsleyC, Thanks, 

HI - I have been using Tesco Credit card with a Direct Debit setup to pay the statement balance in full, every 27th. What then happens is that there is a debit transaction on 27th, and following that there is a payment reversal on 28th, and I am charged with £12 late payment fee, as well as the interest. This has happened in the past as well, which I thought was a one off glitch and paid in full to bring the balance to £0 and stopped using the card for a while, but when I used it again last month, it has happened again. No explanations given and it must be hurting the credit rating as well. This doesn't happen with any other card. Please suggest.

Hello @anshul, I'm sorry to hear you've had an unexpected fee. When a direct debit is returned, this is requested by your bank so it would be best to contact them directly to find out why this happened - Caroline 

Thanks @CarolineM for your help - I can't see the direct debit on my bank account, though I am sure it was working earlier. Not sure who is at fault here, but it shouldn't be me if I haven't changed the direct debits at all.