Missing a credit card payment can lead to a late-payment fee, extra interest and the loss of an introductory offer, depending on the card provider’s terms. The missed payment may also be reported to credit reference agencies, which could make borrowing more difficult or expensive in future. Pay at least the minimum as soon as possible and contact the provider, particularly if you are struggling, as it may discuss support options. Check the card’s terms and consider free guidance from a UK debt advice charity if missed payments are becoming a pattern.