What happens if I miss a payment, go over my credit limit or pay late?

If you miss a payment, go over your credit limit or pay late, you'll be charged a £12 fee. More details of this fee can be found on our interest and fees page.
If you applied for your Clubcard Plus Credit Card before 21st July 2020, then you wont be charged Late Payment, Over Limit or Returned Item fees. It's really important to note that paying late, missing payments and spending over your credit limit could affect your credit score, making it more difficult or expensive to borrow.
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