My experience with them is that you get 24 hours grace.

However as you say, credit scores are affected by any debt, albeit not necessarily that badly, particularly if it is shortlived.

Basically any debt that is not secured (ie a mortgage which is secured against a house) is unsecured - overdrafts, credit cards, car loans etc - and can affect your credit rating.

Posted By: norway, Sep 15, 22:37:41