Hi

I made a faster payment in branch to my credit card of the full balance (£400) and cancelled the direct debit.

I knew I would get a statement this month with the residual interest (£4.43). I have rang them today to pay the £4.43 and closed the account.

I have been hit with a £12 “unpaid direct debit” charge. After a bit of a moan they have refunded the charge and I have paid the interest and closed the card.

I am worried what this effect will have on my credit rating. The manager I spoke to said as I had paid the balance before the DD was due, it will not show up.

Is this correct?

Thanks
D70