It can happen to everyone, missing a credit payment, but don't be tempted to skip or delay your monthly repayments.
Late or missed repayments stay on your credit report for at least six years, so it's important to stay on the right side of repayments. Your credit report can show you if you've missed some payments on cards or loans you have.
If you're applying for new credit, and lenders see late or missed payments on credit agreements with other lenders, then they may be concerned that you will miss payments with them too.
Late or missed payments in the past six years are likely to impact your credit score, meaning that any credit you do apply for might cost you more money.