What happens if I miss a payment?

Updated a month ago

Every month, we’ll take your automatic payment three days before your due date. If it fails, we’ll let you know and try to take payment again on your due date. If this second attempt is unsuccessful, you’ll need to make your payment another way to make sure you cover at least your minimum payment, otherwise we’ll add a £12 missed payment fee to your account.   

If you fall behind, we’ll cancel your automatic payment and you’ll need to pay this manually each month.

It’s really important to get in touch with us if you’re struggling to keep up with your Zopa credit card payments. There are things we can do to try and get you back on track.

Missed or late payments are recorded on your credit file, which is what lenders look at when they’re deciding whether to approve you.

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