Right. Am after some quiche wisdom.
I have made a small cock up.
When I get paid I usually go online to pay off my credit card as it is due a couple of days later.
This month I did it and thought nothing of it.
Today ( over a week later) I have a later saying I have a late payment charge.
I went onto my credit card website and checked. I obviously hadn't pressed confirm.
I made a payment as soon as I saw it.
Is one late payment going to affect my credit rating? I need to apply for a loan in August for a new car and am worried I have cocked up my chances.
If I clear the credit card( it was massive after my divorce and I have been plugging away at it so will only have £200 to clear now so can easily do that) will that help my credit rating?
I am kicking myself doubly.