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    There are three reasons that you might have missed a payment on your credit card: either you can’t afford to pay, the payment didn’t get there in time or you just plain forgot. For whatever reason, there’s one thing you need to do, and quickly – get on the phone.

    Then, apologise like you’ve never apologised before. Don’t panic, stay calm, but make it clear to the customer service representative that you’re very sorry. Say that things like this never happen to you. If you just forgot, then tell the truth about what happened. But if you c

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    pay, the payment didn’t get there in time or you just plain forgot. For whatever reason, there’s one thing you need to do, and quickly – get on the phone.

    Then, apologise like you’ve never apologised before. Don’t panic, stay calm, but make it clear to the customer service representative that you’re very sorry. Say that things like this never happen to you. If you just forgot, then tell the truth about what happened. But if you

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    need to do, and quickly – get on the phone.

    Then, apologise like you’ve never apologised before. Don’t panic, stay calm, but make it clear to the customer service representative that you’re very sorry. Say that things like this never happen to you. If you just forgot, then tell the truth about what happened. But if you

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    panic, stay calm, but make it clear to the customer service representative that you’re very sorry. Say that things like this never happen to you. If you just forgot, then tell the truth about what happened. But if you
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    hings like this never happen to you. If you just forgot, then tell the truth about what happened. But if you can’t afford to pay, then you should say so too.

    You will be surprised at how sympathetic credit card companies can be if you phone and apologise. After all, the sensible ones want to keep you paying interest to them for a long time to come, so it’s not really in their interest to punish you.

    Remember to show your appreciation if they let you off. Promise that it won’t happen again. Whatever you do, don’t get angry or frus

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