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Credit Report

  • 28-06-2018 11:58pm
    #1
    Sully
    Moderators, Education Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 24,056 Mod ✭✭✭✭


    So today KBC called me asking me why I hadn't paid the minimum payment of €5 from a balance of about €170. I apologise and just said I sometimes forget to pay on the due date but that I always clear the cars in full monthly. I said I'd do it right after our call and make sure to setup a standing order. Little bit different as I can't set it to just pay the minimum and I just set it so it pays €100 at the start of every month.

    I was advised my card will be blocked until payment is cleared and that it would effect my credit report - something they've no control over.

    Now I find this as a surprise. I genuinely thought that it only hit your credit score if you peatedly missed all payments and owed large sums?

    I have my AIB card to take a direct debit monthly from my AIB current of the minimum payment and then before end of month I clear the cars in full. It's just a little more awkward with KBC


Comments

  • #2
    Zhane
    Registered Users, Registered Users 2 Posts: 1,156 ✭✭✭Zhane


    Sully wrote: »
    So today KBC called me asking me why I hadn't paid the minimum payment of €5 from a balance of about €170. I apologise and just said I sometimes forget to pay on the due date but that I always clear the cars in full monthly. I said I'd do it right after our call and make sure to setup a standing order. Little bit different as I can't set it to just pay the minimum and I just set it so it pays €100 at the start of every month.

    I was advised my card will be blocked until payment is cleared and that it would effect my credit report - something they've no control over.

    Now I find this as a surprise. I genuinely thought that it only hit your credit score if you peatedly missed all payments and owed large sums?

    I have my AIB card to take a direct debit monthly from my AIB current of the minimum payment and then before end of month I clear the cars in full. It's just a little more awkward with KBC

    Nope. Believe me when I say that late payments are shown on credit file. Your credit file is yours to make sure it’s right.


  • #3
    368100
    Closed Accounts Posts: 2,067 ✭✭✭368100


    You can set up a direct debit with KBC just to take minimum payment


  • #4
    Sully
    Moderators, Education Moderators, Technology & Internet Moderators, Regional South East Moderators Posts: 24,056 Mod ✭✭✭✭Sully


    368100 wrote: »
    You can set up a direct debit with KBC just to take minimum payment

    How? I can only see standing order?


  • #5
    368100
    Closed Accounts Posts: 2,067 ✭✭✭368100


    Sully wrote: »
    How? I can only see standing order?

    A DD is set up on the credit card end of things so cant be done online. give them a call and theyll be able to do it


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