{"id":3853,"date":"2019-05-09T10:24:49","date_gmt":"2019-05-09T10:24:49","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3853"},"modified":"2022-08-23T09:08:19","modified_gmt":"2022-08-23T09:08:19","slug":"a-super-quick-guide-to-payments","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/credit-cards\/a-super-quick-guide-to-payments\/","title":{"rendered":"A Fast Guide to Payments"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3-1024x683.jpg\" alt=\"\" class=\"wp-image-4077\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3-1024x683.jpg 1024w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3-300x200.jpg 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3-768x512.jpg 768w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3.jpg 1350w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/a-super-quick-guide-to-payments\/#Types_of_payments_you_can_make\" >Types of payments you can make<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/a-super-quick-guide-to-payments\/#Late_and_Missed_Payments\" >Late and Missed Payments<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/credit-cards\/a-super-quick-guide-to-payments\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types_of_payments_you_can_make\"><\/span>Types of payments you can make<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When making payments on a <a href=\"https:\/\/en.wikipedia.org\/wiki\/Credit_card\" target=\"_blank\" rel=\"noreferrer noopener\">credit card,<\/a> you will usually get a few choices- make the minimum payment, choose an amount, or make the full payment. Which one of these you choose will differ the impact it has on your <a href=\"https:\/\/www.investopedia.com\/terms\/c\/credit-worthiness.asp\" target=\"_blank\" rel=\"noreferrer noopener\">creditworthiness.<\/a> Here\u2019s a breakdown.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Minimum payments<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Your minimum payment is usually made up from a percentage of your total balance (the full amount you owe), the interest you\u2019ve accrued, or a mix of the two. Paying only this every month suggests to lenders that you\u2019re financially stretched and cannot afford to pay the money back. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders calculate your minimum payment using the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>A percentage of your total balance (the full amount you owe)<\/li><li>The interest you\u2019ve accrued <\/li><li>Any charges on the account.  <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s not simply a case of choosing one or adding them up.\nThere are calculations against a minimum amount (a minimum minimum payment, if\nyou like), and there might well be witchcraft involved. Either way, it is the\nsmallest amount you can pay off on your account that month, and is likely to\nchange month on month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paying only this every month suggests to lenders that you\u2019re\nfinancially stretched and cannot afford to pay the money back. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paying only the minimum balance every month will take the\nlongest time to pay back. To work this out divide your total balance by the\namount you pay each month. That\u2019s (on average) how long it will take, not\ntaking any interest into account. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">E.g. Your credit card currently has 1000 on it, You\u2019re on a\n0% promotional period, and you currently pay back \u00a350 per month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1000 \/ 50 = 20<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It will take 20 months to pay this off in full. If you upped\nyour payments to \u00a3100 per month, you\u2019ll pay it off in only 10 months.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Choose an amount or pay in full? <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">You can additionally choose to make a payment that is between your minimum payment and the full amount, or you can pay in full. Generally, the higher this is, the better. Paying off your card in full every month means you\u2019re unlikely to pay any interest, and that lenders will see you as responsible, and only taking debt that you can afford. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Late_and_Missed_Payments\"><\/span>Late and Missed Payments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Late and missed payments don\u2019t only occur with credit cards,\nyou could miss a utility bill, a loan or mortgage payment, or even a payment on\nyour phone contract. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Is it a late payment, or a missed payment?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">This can cause some confusion- when does a creditor consider a payment missed, and when do they consider it late? The difference is quite simple: whether or not you\u2019ve made the payment. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider this timeline.<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/04\/Late-and-missed-payments.png\" alt=\"\" class=\"wp-image-3893\" width=\"613\" height=\"79\" srcset=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/04\/Late-and-missed-payments.png 797w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/04\/Late-and-missed-payments-300x39.png 300w, https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/04\/Late-and-missed-payments-768x100.png 768w\" sizes=\"auto, (max-width: 613px) 100vw, 613px\" \/><figcaption>Up until the payment is due, it is simply upcoming. Once the due date has passed, if it is still not paid, then it is a missed payment. Once the payment has been made, it is a late payment. <\/figcaption><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Missed Payments<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">So, you\u2019ve missed a payment? Maybe it just slipped your mind, or you just couldn\u2019t make ends meet. Perhaps you\u2019re taking a look at your credit report, and you\u2019ve noticed that you missed one in the past that you weren\u2019t even aware of. Now what?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Firstly, these things happen. There\u2019s no need to beat yourself up over it. A missed payment isn\u2019t likely to throw your plans out of the window- as long as the rest of your credit report is generally good, and that you pay it as soon as you are able to. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you have a missed payment on an account that you think is incorrect, you\u2019ll likely want to challenge or question this. You can contact the creditor directly, or you can use our \u2018Dispute It\u2019 button next to the account on your credit report. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A series of missed payments between three and six months could lead to a <a href=\"https:\/\/www.check.co.uk\/blog\/2019\/04\/10\/default\/\">Default<\/a>, so it\u2019s critical that you try and keep up to date on your payments. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Late Payments<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Once a missed payment has been paid, it becomes a late payment. Generally, the more recently this occurred, the more it will affect your creditworthiness. So over time the impact of this will lessen. It will drop off your account after six years.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may face penalties or charges for late payments- such as a loss of a promotional interest rate or a late payment charge. You\u2019ll need to refer to the small print of your agreement to find out what these are. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Last updated by Robert Edwards, May 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Types of payments you can make When making payments on a credit card, you will usually get a&hellip;\n","protected":false},"author":22,"featured_media":4077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[255,263,254],"tags":[371,369,237],"class_list":["post-3853","post","type-post","status-publish","format-standard","has-post-thumbnail","category-credit-card-basics","category-credit-card-debt","category-credit-cards","tag-credit-activity","tag-credit-cards","tag-his"],"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/09\/photo-1563013544-824ae1b704d3.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Payments: A Super-Quick Guide from Credit-Score UK<\/title>\n<meta name=\"description\" content=\"The types of payments you make on your credit card have an impact on your overall creditworthiness. 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