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?


How about no longer being masochistic?
How about remembering your divinity?
How about unabashedly bawling your eyes out?
How about not equating death with stopping?