A few things could happen if you miss a credit card payment – whether that’s by one day or longer. You might have to pay a fee (your lender will tell you) and the missed payment can appear on your credit report if you’re unable to pay within about 30 days. That could affect your ability to get credit in the future – lenders look at your credit history to see if you have a good track record of managing money responsibly. If your credit card came with a promotional offer – like a 0% interest period – you could lose that offer. If you can’t afford to pay your credit card statement, there are things you can do that could help. You should speak to your lender straight away and talk through your options with them. And, if you need debt advice, you can speak to charities like StepChange, National Debtline and Citizens Advice.