If you can't pay on time
What happens when a payment is missed, and how to protect your score.
Last updated: 13 October 2026
Talk to us before the due date
If you know you can't make a payment, contact us before it's due. You'll have the option to pay to extend your due date. Staying silent is what hurts your score the most — talking to us protects it.
If a payment is missed
- We notify you the day before, on the due date, and three days after a missed payment.
- A late fee applies after a 5-day grace period.
- Missed payments lower your Credably score, which can reduce your limit for future purchases.
Get back on track
Pay the overdue amount as soon as you can. Every on-time payment after that helps rebuild your score.