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  1. geoffw

    New credit rules - 5 days late - black mark on credit filecredit file

    6. You get four different bills from one provider. You have Bpays set up for all. You select the wrong reference number.
  2. geoffw

    New credit rules - 5 days late - black mark on credit filecredit file

    Although it can be annoying to renew all card payments, it can also be useful- to remind you of all the payments going out. Especially the small annual ones that you never remember until you see the money go out.
  3. geoffw

    New credit rules - 5 days late - black mark on credit filecredit file

    I'm fine on paper bills. They get filed, and my very efficient wife ensures they're paid on time. Mostly. But I regularly miss bills which are email only. I find it harsh that if I pay 98% of my bills on time, I will have a black mark for the very few which are late.
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