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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 Any promotional offer you are currently receiving will also be withdrawn.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.


Hi @NikB789, I'm sorry to hear this. Can you please send a private message to Tesco-Bank with your full name, DOB and postcode so we can check this for you? - Thomas

I have just sent a private message as my account is showing as payment reversal on the direct debit date of the 12/08/19. I setup the direct debit with plenty of time. I have spoken to my bank and they can't see any attempt for this to be taken so the issue must lie at the Tesco end?


I want the fee to be refunded and not affect my credit rating..





Hi Mark, we have responded to your private message - Trinh 



My credit card payment was due and I logged on and made a payment through my mobile phone. Logged on again since then and somehow my payment never went through. I made another payment straight away 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 even pay more monthly if it means I can get my interest free promotion?

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

Please can someone help!

Hi @Charlened055, I'm sorry to hear the payment didn't go though. If you made this through the app then it can take 2 working days to reach us so this could be why the payments not yet showing. Could you please privately message us at Tesco-Bank with your full name, DOB and postcode so we can take a closer look?